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.

When is workers compensation required for a Georgia business?

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

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

All FAQs

Quick answer: Georgia is a fault state. The at-fault driver's insurance pays for damages.

Georgia is an at-fault state, not a no-fault state. That means the driver who causes a crash is financially responsible for the resulting injuries and damage, and that driver’s liability insurance pays the claim. There is no requirement to carry personal injury protection (PIP), which is the hallmark of no-fault states.

In practice, being an at-fault state shapes how every claim plays out. After an accident, fault is assigned based on the evidence, the police report, and the insurance investigation. If another driver is found at fault, you file against their liability coverage for your medical bills and car repairs. If you are at fault, your liability coverage pays the other party.

Georgia also follows a modified comparative negligence rule. If you are partly to blame, your recovery is reduced by your share of fault, and if you are 50 percent or more at fault, you generally cannot collect from the other driver at all. So fault is not always all-or-nothing.

Here is an example. Another driver rear-ends you at a stoplight in Marietta. They are found 100 percent at fault, so their liability coverage pays your $6,000 in medical bills and $4,500 in repairs. But if the investigation found you were 20 percent at fault for stopping suddenly, a $10,000 recovery would be reduced to $8,000.

Because the at-fault driver may be uninsured or carry low limits, uninsured and underinsured motorist coverage is valuable protection in Georgia even though it is optional. Want help making sure your auto policy covers the gaps the law leaves open? Get a free coverage review and we will walk through it with you.