Plain-language regulatory insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
When you read that an insurer "cut rates 10.1% in Georgia," there is a specific legal machine behind that sentence. It is called a rate filing, and understanding…
Read article →In April 2025, Georgia's governor signed a package of lawsuit-reform legislation that, in the state's own words, "aims to stabilize insurance costs for businesses and consumers." A year…
Read article →O.C.G.A. Section 33-4-6 is Georgia's statutory bad faith law. It was written to deter insurers from refusing legitimate claims by making that refusal financially costly for the insurer.…
Read article →Georgia's three-employee threshold for mandatory workers compensation coverage counts more people than a simple headcount suggests. Corporate officers and LLC members count toward the three, part-time and seasonal…
Read article →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…
Read article →Which coverages are optional on a Georgia auto policy? Georgia law requires only liability coverage: 25/50/25 under O.C.G.A. Sec. 33-34-4, meaning $25,000 in bodily injury liability per person,…
Read article →Georgia law does not require you to carry homeowners insurance. The state does not mandate it the way it mandates auto liability coverage. If you have a mortgage,…
Read article →Georgia is an at-fault state. The driver who causes a crash bears financial responsibility for the resulting injuries and property damage. That driver's liability coverage is expected to…
Read article →When can you file a complaint with the Georgia Department of Insurance? If your insurance carrier has wrongly denied or delayed a claim, underpaid a settlement, improperly canceled…
Read article →Does Georgia Require Workers Compensation Insurance? Yes. Georgia requires workers compensation insurance for most employers that regularly have three or more workers, including part-time workers. Workers compensation pays…
Read article →Georgia law requires every driver to carry liability coverage before operating a vehicle on public roads. The state sets the minimum at 25/50/25: $25,000 per person for bodily…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
