{"id":75,"date":"2021-08-24T23:39:03","date_gmt":"2021-08-24T23:39:03","guid":{"rendered":"https:\/\/southern.confiedevstg.com\/blog\/?p=75"},"modified":"2022-04-08T02:14:00","modified_gmt":"2022-04-08T02:14:00","slug":"is-georgia-a-no-fault-state","status":"publish","type":"post","link":"https:\/\/southern.confiedevstg.com\/blog\/featured\/is-georgia-a-no-fault-state\/","title":{"rendered":"Is Georgia a No-Fault State?"},"content":{"rendered":"
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If you have friends or family living in different parts of the country, you may have heard them talk about no-fault car insurance<\/a><\/strong>. It sounds intriguing, although the truth is this type of coverage is often misunderstood.<\/p>\n

Living in Georgia, you might wonder if you have no-fault car insurance or if your coverage operates according to other rules.<\/p>\n

There are twelve no-fault insurance states, including Florida and Kentucky. However, Georgia is not<\/strong> a no-fault state. We have different rules<\/a><\/strong> for how car accidents are handled.<\/p>\n

Here\u2019s what you need to know.<\/p>\n

It\u2019s Important to Know Who\u2019s At Fault in an Accident<\/h2>\n

When there is a car accident, no one meant to get into a crash. However, one of the parties likely caused it by making a mistake or getting distracted.<\/p>\n

For instance, someone who ran a red light and then hit another vehicle would be at fault for that accident. Someone who was driving normally and hit by a drunk driver who crossed the center line would not be at fault \u2014 the drunk driver would be.<\/p>\n

Sometimes both parties are somewhat at fault. Maybe one person turned left and didn\u2019t see a car coming, but the other driver was looking at their cell phone and not paying attention. In that case, each driver would be assigned partial fault.<\/p>\n

Who Assigns Fault?<\/h3>\n

Who decides which party is at fault? Generally, the insurance companies for each driver will review the facts of the case and decide. If the two companies don\u2019t agree, they will go into mediation with each other.<\/p>\n

If there is a court case about the accident, the court may be responsible for deciding who is at fault, along with determining any contested damages.<\/p>\n

The At-Fault Driver Pays for Damages From the Accident<\/h2>\n

If one driver is determined to be 100% at fault, that driver is responsible for 100% of the injuries and damage that occurred in the accident. Generally, that means the insurance company will pay up to the limits of the insurance policy.<\/p>\n

In a no-fault state, some of the damages you can claim are limited, and you file for payment with your own insurance company unless the claim is very severe. In that case, you would file with the other insurer.<\/p>\n

However, you can claim a variety of damages in Georgia, such as:<\/p>\n