Georgia car accident laws

✓ Verified against the Official Code of Georgia Annotated (O.C.G.A.) — last checked 1 July 2026

Georgia’s rules are broadly similar to neighboring states, with one detail worth being precise about: the fault bar sits at 50% (not 51%), so an even fault split is enough to end the claim entirely.

A 50/50 split sounds like a fair outcome. Under Georgia law, it’s actually the line where recovery stops.

Statute of limitations: 2 years

Under O.C.G.A. §9-3-33, you generally have two years from the date of the accident to file a personal injury lawsuit. Property damage claims get a longer window: four years. Claims against a government entity are far shorter — an “ante litem” notice is often required within as little as six months.

Fault rule: modified comparative negligence, 50% bar

Under O.C.G.A. §51-12-33, you can recover damages if you’re found less than 50% at fault, reduced by your percentage of fault. At 50% or more, you recover nothing.

Note the threshold is 50%, not 51% as in some neighboring states — a genuine 50/50 split is enough to bar recovery in Georgia.

Insurance: at-fault system, 25/50/25 minimum

Georgia is an at-fault state — not a no-fault state, despite the two systems sometimes being confused. Minimum liability limits are 25/50/25: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured/underinsured motorist (UM/UIM) and physical damage coverage are optional but not required.

RelatedCar accident with no insuranceHow UM/UIM coverage works when the other driver can’t pay.

How this plays out in a real claim

Take an intersection collision where fault is genuinely disputed. If an insurer or court assigns you 40% of the blame, Georgia’s rule still lets you recover 60% of your damages. But if that assessment creeps to 50% or above, the claim is barred entirely under Georgia’s rule — not reduced, eliminated. That single threshold is exactly why insurers have a real incentive to push a borderline case just over the line rather than simply discount what they pay.

A mistake worth avoiding in Georgia

Because a single percentage point at the 50% threshold can be the entire difference between a reduced payout and nothing at all, careless statements at the scene or to an adjuster carry more weight here than in a pure comparative state. Avoid speculating about fault, even casually, until the full picture — police report, witnesses, any available footage — is in front of you.

If a government vehicle or agency was involved

Claims against the State of Georgia itself require a formal “ante litem” notice under the Georgia Tort Claims Act within 12 months of the accident, sent by certified mail or delivered in person. Counties are treated somewhat differently: Georgia law provides an automatic waiver of immunity of at least $500,000 for injuries caused by a covered government vehicle actually in use at the time (O.C.G.A. §33-24-51), though counties don’t face the same formal ante litem notice requirement as state-level claims. Given how differently state, county, and municipal claims are each handled, confirming which entity you’re actually dealing with matters more here than in most states.

If the crash resulted in a death

Georgia gives two years from the date of death for a wrongful death claim (O.C.G.A. §9-3-33), following a strict filing order — surviving spouse first, then children, then parents; siblings are excluded unless administering the estate with no closer relatives surviving. Georgia is also one of the few states that measures damages by the “full value of the life of the decedent” (O.C.G.A. §51-4-1/-2) rather than just the family’s financial losses — a notably broader standard than most states use.

Uninsured/underinsured motorist coverage

Georgia doesn’t require UM/UIM coverage, but insurers must offer it with every new or renewal policy, and you must reject it in writing (O.C.G.A. §33-7-11). Georgia’s distinctive twist: since a 2009 law change, insurers must offer “add-on” UM — which stacks your UM limit on top of the at-fault driver’s liability coverage rather than being reduced by it — and you have to specifically reject the add-on version in writing if you’d rather have the older, less generous “reduced-by” version.

Beyond the deadline and the fault rule

The statute of limitations and the fault rule above decide whether you have a claim and how much of it survives — they don’t decide what the claim is actually worth, or whether it’s worth handling yourself. For that, see our guides on what affects a settlement, who pays your medical bills while a claim is pending, and whether Georgia law makes a lawyer worth it for your specific situation.

When it's worth talking to someone

With the bar sitting at exactly 50%, disputes over fault percentage are especially consequential in Georgia. A free, no-obligation conversation can clarify where you stand.