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Georgia Car Accident Laws

Georgia is considered an “at-fault” insurance state when it comes to car accidents. This means if you are involved in a car accident, the at-fault party is responsible for paying compensation for any damages and injuries you suffered. 

On the other hand, a “no-fault” insurance state means that your auto insurance policy will cover some or all your medical expenses, lost wages, and property damage – regardless of who causes the collision. Only a handful of states are considered no-fault states, but not Georgia. 

The following are the three ways a car accident victim in Georgia can seek compensation for damages: 

  • You can file a claim with your own insurer, who will then file a claim against the at-fault party’s insurance company. 

  • You can file a claim directly with the at-fault driver’s insurer. 

  • You can file a personal injury lawsuit against the at-fault driver in civil court. 

Remember, all states require drivers to carry minimum insurance coverage for their vehicles. The minimum coverage for Georgia motorists includes at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as at least $25,000 per accident in property damage liability insurance. 

Any driver who is involved in a car accident in Georgia that results in damage valued at over $500, an injury, or death must contact the police. However, it is wise to call law enforcement officials to the scene of a collision to obtain a police report – no matter how serious the accident is. 

According to the statute of limitations in Georgia, a car accident victim has two years from the date of the crash and injury to file a claim or lawsuit. If you miss the deadline, the other party may file a motion to dismiss the case. But the best thing to do is file a claim or lawsuit as soon as possible with the help of an experienced personal injury attorney.

If you or a loved one has been injured in a car accident in Woodstock or within Northern Georgia, contact The Dickinson Law Firm, LLC today at (770) 766-7739 for a free initial consultation. Our legal team has more than 40 years of experience!