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Is Georgia an at-fault state?
I’m confused about at-fault states and no-fault states. Which one would Georgia be considered and what does it mean?
Sean Boehme · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Every state is different when it comes to car insurance laws, and it’s great that you’re making an effort to understand yours! Georgia is indeed an at-fault state, sometimes referred to as a fault state or a tort state.
But what does an at-fault state mean? In an at-fault state, the driver found to be at fault for an accident will be responsible for compensating other parties for damages. This is usually done through their liability coverage.
If Georgia were a no-fault state, drivers would be required to have
personal injury protection (PIP) coverage
. Since it’s not, drivers only need:- $50,000 of bodily injury liability per accident
You should also take make note that Georgia follows a modified comparative negligence system. This means that a driver found at fault for an accident can still file a claim for damages from another party unless they contributed 50% or more of the fault in an accident.
If you’re having trouble finding affordable
car insurance in Georgia
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