How do I file a complaint against my insurance carrier in Georgia?

The Georgia Office of the Commissioner of Insurance (OCI) handles consumer complaints at oci.ga.gov or (800) 656-2298. Under O.C.G.A.

Is Georgia a no-fault or at-fault state for auto insurance?

Georgia is an at-fault state. The driver who caused the accident is responsible for paying damages.

When is workers compensation required in Georgia?

Yes, with a specific threshold. Georgia requires employers to carry workers compensation insurance if they have three or more employees including part-time workers, under O.C.G.A.

What are the minimum auto insurance requirements in Georgia?

Georgia law requires minimum liability coverage of 25/50/25 under O.C.G.A. 33-34-4: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.

Who counts toward Georgia's three-employee workers comp threshold?

Georgia requires workers compensation for any business with 3 or more regular employees (full-time, part-time, and seasonal all count).

How is fault decided after a Georgia car accident?

All FAQs

Quick answer: Fault after a Georgia accident is decided through the police report, evidence, and each insurer's investigation, then reduced by your own share of fault.

Fault after a Georgia car accident is determined through the police report, physical evidence, witness statements, and each insurer's own investigation - there is no automatic assignment based on which car was hit or where. Once fault is established, the injured party files a third-party claim against the at-fault driver's liability coverage, since Georgia is an at-fault state rather than a no-fault one.

What happens if both drivers share some fault?

Georgia follows a modified comparative negligence rule under O.C.G.A. Sec. 51-12-33. If you share some fault for a crash, your compensation is reduced by your percentage of fault. If your fault reaches 50 percent or more, you cannot recover anything from the other driver.

For example, a rear-end collision in Marietta produces $10,000 in combined medical and repair costs. The other driver is found 100 percent at fault and their liability policy pays the full $10,000. If investigators instead find you 20 percent at fault for an abrupt stop, your recoverable amount drops to $8,000. At 50 percent fault, recovery against the other driver stops entirely.

What are Georgia's minimum liability limits for drivers?

Georgia law sets minimum liability limits at $25,000 per person and $50,000 per occurrence for bodily injury, plus $25,000 for property damage. These are legal floors, not protection benchmarks. A serious multi-vehicle collision can exhaust minimum limits quickly, leaving the at-fault driver personally responsible for the remainder. See the full breakdown of Georgia auto minimum limits and why many drivers carry more.

What coverage gaps exist in Georgia's at-fault system?

Two gaps show up frequently in an at-fault state:

Uninsured motorist (UM) coverage: Georgia requires insurers to offer it, but drivers can reject it in writing. If the at-fault driver carries no insurance, UM coverage steps in to pay your claim. The Georgia Department of Driver Services has reported that roughly one in eight Georgia drivers is uninsured.
Underinsured motorist (UIM) coverage: If the at-fault driver's limits are too low to cover your losses, UIM coverage makes up the difference up to your own policy's limit. It is separate from UM and also optional.

For example, an uninsured driver runs a red light and totals your car in Atlanta. Without UM coverage on your own policy, you are left pursuing a driver who has no insurance and likely no assets. UM coverage means your own insurer steps in and pays the claim instead.

How does Georgia's at-fault rule affect how much coverage you need?

Georgia's at-fault framework puts the financial burden on the party who caused the crash, but the system depends on that driver having adequate coverage. Minimum limits may not cover a serious accident, and uninsured drivers are common on Georgia roads. Higher limits and umbrella coverage can protect against a judgment that exceeds your auto policy's cap. A licensed advisor can review your current policy and assess where your specific coverage stands. Get a free coverage review from our team.