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.

What happens if I am partly at fault for a crash in Georgia?

All FAQs

Quick answer: Georgia follows modified comparative negligence (O.C.G.A. 51-12-33). You can recover damages from the other driver only if you are less than 50 percent at fault; at 50 percent or more, recovery is barred. If you are found 30 percent responsible, your recovery is reduced by 30 percent.

Georgia applies a rule called modified comparative negligence (O.C.G.A. 51-12-33) when more than one driver shares fault for a crash. Under this rule, a driver can still recover damages from another at-fault driver as long as their own share of fault stays below 50 percent. Once a driver is found 50 percent or more at fault, Georgia law bars that driver from recovering anything from the other party.

Comparative negligence means the recovery amount shrinks in proportion to fault. If a driver is found 30 percent responsible for a crash, their total recoverable damages are reduced by 30 percent. Example: a driver has $20,000 in vehicle damage and medical bills after a crash. An insurance adjuster or a jury determines the driver was 30 percent at fault, for instance because they were speeding when the other driver ran a stop sign. That driver can recover 70 percent of $20,000, or $14,000, from the other driver's liability coverage. If that same driver were instead found 50 percent at fault, Georgia's bar rule means they could recover nothing, regardless of how much the other driver contributed to the crash.

Fault determinations in Georgia are not automatic. Insurance adjusters review police reports, driver statements, traffic camera or dashcam footage, and physical evidence from the scene to assign a fault percentage. A driver who disputes an adjuster's fault finding can present additional evidence, and disputed cases sometimes proceed to litigation, where a judge or jury makes the final fault determination under the same 51-12-33 standard.

Because Georgia is an at-fault (tort) state rather than a no-fault state (see is Georgia a no-fault state for car insurance?), the fault percentage directly controls how much of a loss any driver recovers, on either side of the claim. Uninsured and underinsured motorist coverage on a driver's own policy responds when the other driver has no insurance or insufficient limits, a separate question from comparative fault.

If an insurer's fault determination or claim denial appears unsupported, Georgia's bad-faith statute (O.C.G.A. 33-4-6) sets out a process for challenging it; see what can I do if my insurer refuses to pay a valid claim in Georgia?. A coverage review can walk through how liability and uninsured motorist limits on an existing policy would respond in a shared-fault scenario. Coverage details, including how liability limits interact with Georgia's minimum requirements, appear in the Georgia auto insurance guide and auto insurance overview. Coverage is available through Olive Cover from multiple carriers, and a free coverage review is a starting point for policy-specific questions.