Georgia Insurance Claims Center
Navigating insurance claims after a car accident is complex. Adjusters work for the insurance company — not for you. This guide explains how Georgia insurance claims work and how to protect your rights.
How Insurance Claims Work in Georgia
Georgia is a fault-based (tort) state, which means the driver who caused your accident is financially responsible for your damages. In practice, this means you file a claim against the at-fault driver’s liability insurance company — and their adjuster decides how much (or how little) to pay you.
Georgia’s minimum liability insurance requirements are 25/50/25under O.C.G.A. § 33-7-11 — just $25,000 per person for bodily injury. For anyone with serious injuries, these minimums are rarely enough to cover medical bills, lost wages, and pain and suffering.
Understanding how the insurance claims process works — and the tactics insurers use to minimize payouts — is essential for protecting your right to fair compensation. The guides below cover every aspect of the process.
Insurance Claims Guides
Dealing with Insurance Adjusters
Insurance adjusters work for the insurance company — not for you. Learn what to say, what to avoid, and when to stop talking and call a lawyer.
Learn More →O.C.G.A. § 33-4-6
Bad Faith Insurance Claims
When an insurer unreasonably denies or delays your claim, Georgia law allows you to recover up to 50% in penalties plus attorney's fees under O.C.G.A. § 33-4-6.
Learn More →Subrogation & Letters of Protection
Understand how your insurer's subrogation rights and medical letters of protection affect your settlement — and how to maximize your take-home recovery.
Learn More →O.C.G.A. § 33-7-11
Georgia 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 →Uninsured Motorist Claims
When the at-fault driver has no insurance, your own UM coverage may be your only path to compensation. Learn how uninsured motorist claims work in Georgia.
Learn More →Underinsured Motorist Claims
When the at-fault driver's policy limits don't cover your damages, underinsured motorist (UIM) coverage fills the gap. Learn how to file a UIM claim in Georgia.
Learn More →Frequently Asked Questions About Georgia Insurance Claims
Insurance Company Giving You the Runaround?
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