Georgia: rules and deadlines at a glance

Every 11 topic we track for Georgia on one page. Open a topic for the details, the law it comes from and how Georgia compares.

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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.

Filing deadlines (statute of limitations)

Personal injury	2 years
Property damage	4 years

Car insurance by state

Minimum liability	$25,000 / $50,000 / $25,000
Fault system	At-fault (the driver who caused it pays)
Shared-fault rule	Modified comparative: barred at 50% fault or more

Claim deadlines

Acknowledge	15 days
Accept or deny	15 days after proof of loss (30 days after notice if no proof of loss is required; 60 days at most)
Pay	10 days after the amount is agreed

Small claims limits Single detailed source

Dollar limit	$15,000 ($25,000 for cases filed from Jan. 1, 2027)
Filing fee	About $22 plus service charges
Lawyers	Not required

Total loss rules

Total loss rule	Total loss formula

Dog bite rules Single detailed source

Rule	Mixed
Details	Liable if the owner knew the dog was dangerous or broke a leash law

Shared fault rules

Rule	Modified comparative negligence (50% bar)
When you are barred	Barred if you are 50% or more at fault

Accident reporting rules

Report required if	Death, injury, or over $500 damage
Deadline	Immediately

Phone-while-driving laws Single detailed source

Handheld ban	Yes, all drivers (primary)
Texting ban	Yes, primary

Motorcycle helmet laws Single detailed source

Law type	Universal
Who must wear one	All riders (universal law)

Uninsured drivers Single detailed source

Drivers uninsured	19.0%
UM/UIM coverage	Not required (insurers must offer it)