Georgia Car Accident Laws 2026: What Every Victim Needs to Know
Frequently Asked Questions
What is the statute of limitations for car accidents in Georgia?
Two years from the accident date under O.C.G.A. § 9-3-33. This deadline is absolute — missing it permanently bars recovery.
Does Georgia have a no-fault insurance system?
No. Georgia is an at-fault state. The driver who caused the accident bears liability for all resulting damages. You file claims against the at-fault driver's insurance, not your own.
Can I recover if I was partially at fault in Georgia?
Yes, if your fault is less than 50% under O.C.G.A. § 51-12-33. At 49% fault you recover 51% of damages. At exactly 50% fault, recovery is completely barred.
What is Georgia's minimum car insurance requirement?
25/50/25 — $25,000 per person, $50,000 per occurrence, $25,000 property damage. Georgia also requires insurers to offer uninsured motorist coverage under O.C.G.A. § 33-7-11.
Does Georgia allow punitive damages in car accident cases?
Yes, under O.C.G.A. § 51-12-5.1 when conduct was willful, wanton, or showed conscious indifference. DUI accidents frequently qualify. Georgia caps punitive damages at $250,000 in most cases.
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