Editor’s Note: This blog was previously published on April 2021 and has been updated for accuracy – June 2025.
Georgia is a fault state. That means if you’re responsible for a car accident, you (and your insurance company) are on the hook for any damages—whether to people or property.
Most drivers know the state sets minimum insurance requirements. But many don’t realize how different types of coverage work together—or where those minimums may leave them exposed.
If you drive in Georgia, having a basic understanding of how auto insurance works isn’t just helpful—it’s essential. It can make the difference between being fully protected or facing unexpected out-of-pocket costs after an accident.
This blog will break down the key types of car insurance coverage in Georgia, what’s required by law, and what to consider when selecting your policy. Future posts in this series will explore specific types of coverage in more detail, so stay tuned for upcoming releases.
Core Types of Auto Insurance Coverage in Georgia
Bodily Injury Liability Coverage
This covers the medical expenses (and potentially other damages) of people you injure in an accident. Georgia requires:
- $25,000 per person
- $50,000 per accident (if more than one person is injured)
But here’s the catch: serious accidents often cost more than the minimums. If that happens, you could be personally responsible for the difference.
Also important: this coverage only protects others—not you. It won’t help with your own injuries.
Property Damage Liability Coverage
This pays for damage you cause to someone else’s vehicle or property. Georgia requires a minimum of $25,000 in property damage liability coverage. Again, more coverage can mean more peace of mind.
Medical Payments Coverage (MedPay)
MedPay is optional, but valuable. It helps cover your medical bills (and your passengers’) after an accident—no matter who was at fault. Think of it as a financial safety net for doctor visits, hospital stays, or ambulance fees.
Uninsured (UM) / Underinsured (UIM) Motorist Coverage
Not everyone on the road is carrying enough coverage—or any coverage at all. UM/UIM insurance can protect you if the at-fault driver can’t.
- UM (uninsured motorist coverage) steps in if the other driver has no insurance.
- UIM (underinsured motorist coverage) helps if the other driver’s coverage isn’t enough to pay for your injuries and losses.
It’s not required in Georgia, but it’s a smart move. Pay attention to whether your policy allows stacking—which can increase the amount available to you in a claim. Non-stacking policies are cheaper, but could reduce your payout.
Make Sure Your Coverage Works for You
Auto insurance shouldn’t be a “set it and forget it” decision. Review your policy regularly. Understand what each part covers—and just as importantly, what it doesn’t.
If you’re ever in an accident:
- Check your policy to see what benefits may apply.
- Know your rights and obligations—especially when it comes to reporting and filing claims.
- And don’t rely solely on the insurance company’s word. Their priority isn’t always your best interest.
If you’ve been hurt in a crash—or just want to make sure you’re fully protected—The Balams Firm is here to help. Atlanta attorney ReShea Balams helps injury victims navigate insurance claims, understand their rights, and fight for the compensation they deserve.
Your consultation is always free and comes with no pressure—just honest guidance you can count on.
Call (404) 445-2005 or fill out the contact form on this page.
