Car Accident Liability in Georgia
Do You Have Car Insurance?
If your motor vehicle is registered in Georgia, you need to carry auto insurance. The state requires insurance coverage with registration.
The following are the minimum amounts for the required types of coverage:
- Bodily Injury Liability - Minimum: $25,000 per person and $50,000 per accident
- Property Damage Liability - $25,000 per person
- Bodily Injury Caused by an Uninsured Auto - Minimum: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage - Minimum: $25,000 with a $250, $500, or $1,000 deductible
Georgia is considered an “at fault” state for car accident claims. This means drivers involved in auto collisions who seek monetary damages from the other driver must prove that the other party was at fault for the accident.
The state follows a “modified comparative negligence” rule, meaning in order to recover compensation for auto accident injuries and property damage, one needs to be less liable than the other party. You can recover against any party who was more at-fault than you were, but your compensation will be reduced by a percentage that corresponds to your share of fault.
For example, let’s say you’re driving a little over the posted speed limit when a distracted driver T-bones you at an intersection. The other driver is found to be 80 percent at fault, but since you were speeding, the jury determines you were 20 percent at fault for the collision. If you were entitled to an award to a $50,000, it would be reduced to $40,000 based on your percentage of liability.
If you share fault for the accident meets or exceeds 50 percent, you will not be able to recover anything in a Georgia car accident claim.
Did Your Insurer Deny Your Claim? Let Our Savannah Auto Accident Lawyer Help Today!
If your insurer denies your claim for damages, there are several legal options you can take with the help of a skilled lawyer. Our Savannah auto accident lawyer at Brooks Law Office can conduct a thorough evaluation of your case and decide which course of action is best for you. Whether we file an appeal or file a complaint against the insurer, let us help you make a successful recovery from injury.
If you are interested in experienced legal representation, contact us and schedule a free consultation today.