Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Is Georgia a no-fault state for car insurance?

All FAQs

Quick answer: No. Georgia is an at-fault (tort) state, not a no-fault state, so there is no state-mandated personal injury protection. The driver who causes a crash is responsible for the other party's damages through their liability coverage, and an injured person can pursue that driver directly.

Georgia is not a no-fault state. It is an at-fault state, also called a tort state, which means the driver who causes a crash is legally responsible for the damage that crash causes. There is no state-mandated personal injury protection (PIP) in Georgia, the coverage that no-fault states require insurers to pay for medical bills regardless of who caused the crash.

In a no-fault state, each driver's own insurer pays that driver's medical bills up to a set limit, no matter who caused the accident. Georgia works differently. When one driver causes a wreck, the injured party's medical bills, lost wages, and vehicle damage are collected from the at-fault driver, typically through that driver's bodily injury liability and property damage liability coverage. Georgia law (O.C.G.A. 33-34-4) requires drivers to carry minimum liability limits of 25/50/25: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage.

Example: a driver runs a red light and hits another car. The driver who ran the light is at fault. The injured driver's medical bills and repair costs are paid from the at-fault driver's liability policy, not from the injured driver's own policy. If the at-fault driver carries only the state minimum and the injuries exceed $25,000, the injured driver can pursue the remaining amount directly from the at-fault driver, which is where uninsured/underinsured motorist coverage on the injured driver's own policy comes into play. See what happens if I am partly at fault for a crash in Georgia? for how fault-sharing changes the recovery amount.

Because Georgia is a tort state, proving fault carries more weight here than in no-fault states. Insurers investigate the crash, and when liability is contested, Georgia's modified comparative negligence rule (O.C.G.A. 51-12-33) determines how much of a loss is recoverable when both drivers share some blame.

If an insurer denies a valid claim or delays payment without a reasonable basis, Georgia's bad-faith statute applies; see what can I do if my insurer refuses to pay a valid claim in Georgia?.

State minimum liability limits are a floor, not a ceiling, and actual policy cost varies by driver and coverage selected; see how much does car insurance cost in Georgia? for current averages. A coverage review compares a policy's current liability, uninsured motorist, and medical payments coverage against Georgia's at-fault framework. Details on how liability, uninsured motorist, and related coverages work together are in the Georgia auto insurance guide and the broader auto insurance overview. Coverage is available through Olive Cover from multiple carriers licensed in Georgia, and a free coverage review is a starting point for policy-specific questions.