Georgia Car Accident Laws Explained

Georgia Car Accident Laws Explained:

Navigating the aftermath of a car accident can be challenging, especially when it comes to understanding your legal rights and obligations. Georgia has specific car accident laws that dictate how fault is determined, how compensation is calculated, and what steps you need to take after a crash. Knowing these laws can help you protect your rights and strengthen your claim for damages.

Georgia’s Fault-Based Insurance System

Georgia operates under a fault-based insurance system, which means the at-fault driver is responsible for covering the damages caused by the accident. Victims of car accidents have three options for seeking compensation:

• File a claim with their own insurance company (if they have applicable coverage).
• File a claim with the at-fault driver’s insurance company.
• File a personal injury lawsuit against the at-fault driver.

Understanding how fault is determined is crucial, as it directly impacts your ability to recover compensation.

Comparative Negligence in Georgia

Georgia follows a modified comparative negligence rule, which allows you to recover damages as long as you are less than 50% at fault for the accident. However, your compensation will be reduced by your percentage of fault.

For example, if you are found to be 20% at fault for the crash and your total damages amount to $10,000, you would only receive $8,000. If your fault exceeds 50%, you will not be eligible to recover any compensation.

Statute of Limitations for Car Accident Claims

Georgia law imposes a statute of limitations on car accident claims, which is the deadline for filing a lawsuit. In most cases:

• Personal injury claims must be filed within two years of the date of the accident.
• Property damage claims must be filed within four years of the date of the accident.

Failing to file within these time limits can result in losing your right to seek compensation, so it’s important to act quickly.

Mandatory Reporting of Car Accidents

In Georgia, drivers are required to report accidents to law enforcement if:

• The accident results in injuries or fatalities.
• The property damage exceeds $500.

Failing to report an accident can lead to legal penalties, including fines and potential issues with your insurance claim.

Required Minimum Insurance Coverage in Georgia

Georgia drivers must carry a minimum amount of liability insurance to legally operate a vehicle. The state’s minimum coverage requirements are:

• $25,000 for bodily injury per person.
• $50,000 for bodily injury per accident involving multiple people.
• $25,000 for property damage.

While these limits are mandatory, they may not be sufficient to cover the full extent of damages in a serious accident. Additional coverage, such as uninsured/underinsured motorist protection, can provide extra financial security.

Steps to Take After a Car Accident in Georgia

Taking the right steps after a car accident is essential to protect your rights and build a strong case. Here’s what you should do:

1. Call 911
Report the accident to law enforcement and request medical assistance if needed.

2. Gather Evidence
Take photos of the accident scene, vehicle damage, and injuries. Collect contact information from witnesses and the other driver(s).

3. Seek Medical Attention
Even if you feel fine, see a doctor to rule out hidden injuries and create a medical record.

4. Notify Your Insurance Company
Inform your insurer about the accident promptly, but avoid admitting fault.

5. Consult a Personal Injury Lawyer
An experienced attorney can guide you through Georgia’s car accident laws, handle negotiations with insurance companies, and help you recover fair compensation.

How 770GoodLaw Can Help You

At 770GoodLaw, we specialize in helping car accident victims navigate Georgia’s complex legal system. Our skilled attorneys will handle every aspect of your case, from gathering evidence to negotiating with insurance companies and representing you in court if necessary. We’re committed to ensuring you receive the compensation you deserve for your injuries, property damage, and other losses.

If you’ve been involved in a car accident in Georgia, don’t wait to take action. Contact 770GoodLaw today for a free consultation, and let us fight for your rights.