Georgia Car Accident Laws
Understanding Georgia law is critical for accident victims. The rules that govern fault, filing deadlines, and insurance coverage directly determine whether you can recover compensation — and how much.
Georgia Is an At-Fault State
Unlike no-fault states where each driver files a claim with their own insurer, Georgia operates under a fault-based (tort) system. The driver who caused the accident is financially responsible for the other party’s damages. This means you can:
- File a claim directly against the at-fault driver’s liability insurance
- File through your own insurer and let them pursue the at-fault driver (subrogation)
- File a personal injury lawsuit in Georgia court
Three Georgia statutes are particularly important for car accident victims. Each one can make or break your claim.
Key Georgia Laws for Accident Victims
O.C.G.A. § 51-12-33
Comparative Negligence
Georgia follows a modified comparative negligence rule. If you are 50% or more at fault, you cannot recover compensation. Learn how fault percentage affects your settlement.
Learn More →O.C.G.A. § 9-3-33
Statute of Limitations
You have 2 years from the date of your accident to file a personal injury claim in Georgia. Miss the deadline and your case is permanently barred.
Learn More →O.C.G.A. § 33-7-11
Insurance Requirements
Georgia requires minimum liability coverage of 25/50/25. Learn what each number means, why minimums are rarely enough, and how UM/UIM coverage protects you.
Learn More →Frequently Asked Questions About Georgia Car Accident Law
Need Help Understanding Georgia Law?
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