Is Georgia a No Fault State Auto Insurance

The Brown Firm

The Brown Firm

Insurance laws are different depending on which state you live in. Some states are known as "no-fault" states, while others are considered "at fault" states. It's essential to know and understand the insurance laws regarding the state that you live in. 

What Is No-Fault Insurance?

No-Fault Insurance means that your car insurer will pay some or all of  your medical bills and lost wages if you are involved in a car accident. This is regardless of who was at-fault for the crash. 

At-Fault Insurance means the person who caused the accident, whether it was intentional or not, will be held responsible along with their insurance company for any injuries and damages that occurred to the other driver(s). 

If you were involved in a Car Accident in Georgia, then your accident occurred in an "at-fault" state. There are only a handful of states that are considered to be "no-fault" states.

Georgia is an At-Fault State

Georgia, like most other states, is considered an at fault state. This means, when you're involved in an accident, as long as 51% or more of the fault can be placed on the other driver, you will not be held responsible for the damages that occurred in the accident. 

Georgia has a very specific type of fault known as "proportional comparative fault."  This means, that each driver involved in the crash has a percentage of the blame.

So, it must be determined that one of the drivers is at least 51% at fault for the crash.

If this happens, the driver who owns the majority of fault for the accident is unable to seek compensation from the other driver. 

This is an excellent example of why it's so crucial to have a police officer come to the accident scene so they can determine who is at fault so that the other driver can seek compensation for their losses. 

Proving Fault 

Since we now know that Georgia is an "at-fault" state, it will need to be proven who is indeed at fault for the accident. 

The most significant problem people run into when they are involved in an accident is trying to take matters into their own hands.

Now, maybe the person who hit you is very friendly, and they provide you with all their insurance information, you still need to call the police to come to the accident scene. 

This can't be reiterated enough.

Even though someone may seem genuine, if you do not have a report by a police officer, it will essentially be your word against the other driver's when you try to obtain compensation for damages or medical bills.

Although, the person who caused the accident may have seemed honest, their insurance company is not going to take your word and give you the money you deserve for your losses.

Insurance companies will try to place at least half or more of the blame on you so they don't have to offer you any money for damages. Without a police report, you're going to have a difficult time trying to place more than half the blame on the other driver.

Always remember, if you are involved in a Car Accident, calling the police is the very first thing you need to do.

With police documentation stating the fault of the other driver, you will have a much better chance of obtaining the compensation owed to you. 

Hire a Car Accident Attorney for Legal Help 

If you are involved in a Car Accident in Georgia, it is always in your best interest to seek the help of an experienced Personal Injury Attorney. 

Although it may seem cut and dry because Georgia is an "at-fault" state, that does not mean you won't need legal help. 

Car Insurance Companies are known for trying to offer the lowest settlement amount possible, if they offer anything at all. It is their job to try and place at least 51% of the blame on you, so they don't owe you anything. 

Unfortunately, they can twist your words and make you think things that may not be true, and the next thing you know, you agree to an amount that doesn't cover the cost of your damages, let alone your medical bills. 

When you hire an experienced Car Accident Attorney, you have a much better chance of receiving the maximum amount of compensation that you deserve.

Accident Lawyers have the training and experience to negotiate with the insurance company on your behalf, and they will advise you whether or not you're being offered a fair amount or not. 

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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