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Georgia Insurance Laws

Georgia Car Insurance Laws

Georgia is an “at-fault” state for auto accidents. That means that if you were injured in a car crash, there are three ways to seek compensation for your injury-related expenses:

  1. Filing a claim directly with the at-fault driver’s insurance provider
  2. If your case cannot be settled with the at-fault driver’s insurance provider, filing a personal injury lawsuit against the at-fault driver in civil court
  3. Filing a claim with your own insurance provider for your underinsured/uninsured motorist (UM/UIM) coverage

At Owens & Mulherin Injury Lawyers, it’s our job to help injury victims determine their best options for getting the money they need for their medical bills, lost wages, and pain and suffering. The sooner you contact our Savannah auto accident attorneys, the sooner we can begin collecting evidence and working towards a successful resolution for you and your loved ones.

Get in touch with us today at 912-212-2100 or by completing our online consultation form. There are no upfront fees for an initial case review, and our work is free unless we get you money for your accident. That’s our No Fee Guarantee®.

How Much Car Insurance Is Required in Georgia?

Georgia state law requires all drivers to purchase and maintain liability insurance. This insurance is designed to cover the costs and expenses incurred during accidents. The minimum requirements for liability insurance in Georgia are:

  • $25,000 for the death or injury of one person, including yourself, your passenger, other drivers and their passengers, pedestrians, and more
  • $50,000 for the death or injury of more than one person in an accident
  • $25,000 for property damage caused by an accident

Because these are minimum requirements, you may purchase additional coverage to protect yourself in the event of an accident.

Getting Additional Compensation from UIM Coverage

Were you injured by a driver who either doesn’t have auto insurance or who carries an amount that won’t cover your damages? If so, you may be eligible to pursue additional compensation from your own insurance provider if you have uninsured (UM)/underinsured (UIM) motorist coverage.

There are two types of UM/UIM coverage in Georgia:

  • Reduction or traditional coverage
    If your UM/UIM coverage amount exceeds the amount of liability insurance carried by the other driver, you can seek the difference from your own policy. For example, if you have $50,000 in UIM reduction coverage, and the other driver is carrying $25,000 in liability coverage, you are entitled to $25,000 from your own UM/UIM policy.
  • Excess or add-on coverage
    You may seek excess UM/UIM coverage no matter how much liability coverage the other driver is carrying at the time of the accident. Sometimes called “stacking” coverage, this amount can be stacked on top of the total amount of damages you’re seeking from the other driver’s car insurance policy.

If you have UM/UIM coverage, it can make a big difference in your claim and the amount of compensation that you can receive. Our legal team will review your insurance policy and determine how your UM/UIM coverage will pay out based on the other driver’s coverage.

Contact our Savannah car accident lawyers

Insurance policies are supposed to protect victims from having to pay for their own accident-related expenses, but it doesn’t always work that way.

An experienced team of Savannah car accident lawyers can determine your best options for recovering maximum compensation. At Owens & Mulherin, we have nearly 20 years of experience fighting for people hurt in car accidents, and we know how to build, present, and negotiate claims to get the results you deserve.

Contact us by calling 912-212-2100 or completing our online contact form. From the moment you contact us, you can count on our Savannah injury lawyers to be by your side every step of the way.

Reviews From Our Clients
  • "I was pregnant and injured in an automobile accident. Mr. Owens, personally, came to the hospital. He told me he would handle everything, I just needed to get healthy for the baby and myself. Mr. Owens did everything he said he would. I highly recommend Owens and Mulherin. Everyone in their office is friendly and informative. You're not just another client with them, they genuinely care." - Lindsay Chadwick

  • "Highly recommend working with this group!! They are very friendly, understanding, caring people and very easy to talk to. They Gave us plenty of time to talk with them. Did not make us feel rushed and explained everything thoroughly. Made the experience the best possible and we had a positive outcome during a tragic time. Thank you to the attorneys and entire staff." - Cindy Shuman

  • "I found Mr. Owens to be very professional and extremely sympathetic towards my needs as a result of my injuries. His experience helped guide me through my case and we ultimately won in the end...settled out of court! Thanks for all your help!" - Diane Calahan

  • "Following an automobile accident I sought representation from Wil Owens. Throughout the process he and his staff were always very kind, informative, and diligent in protecting my rights and interests. I knew my case was minor comparatively speaking, however, they never minimized the importance of my situation or claim. I would highly recommend this local law firm!!Sincerely,Christi (Fry) Vinyard" - Christi Fry

  • "This was my first time having to get an attorney and my experience was great. They make sure you fully understand everything that's going on and make sure the case is settled in your favor. I highly recommend this attorney office if you need one." - Dee James

  • "Absolutely 100% the best law firm around. I was completely blown away by the staff with all their generosity and helpfulness every step of the way. Wilbur Owens is hands down the best attorney I have ever met. He was caring, professional, and helpful in all aspects of my case, from the very begining with all my treatments to the very end with my settlement. He was highly recommend to me and I have heard nothing but great things about him and his firm. They truly are the best around and if ths need were to arise again in the future I will gladly come to the law firm of Owens and Mulherin. Wonderful people and they gave me my life back as well as piece of mind, and for that I am and always will be truly thankful." - Courtney Graves

  • "I had a good experience with Mr. Owens and Ms. Teresa. They were very professional and was on point. It was a long process but it was worth the wait. I would recommend anyone to this lawfirm." - Ashley Robertson

  • "My thanks to Mr. Owens and his crew. After getting injured at work , and not knowing what to do I found them thru a local web search. Everyone in the office was great, Will walked me thru my case and explained how it would go. After everything I would highly recommend this law firm. I can't say enough of Mr. Owens and his staff . Thank you for your help!" - Mark Kalla

  • "I worked with Mr. Ownens and his team for my most recent accident involving 2 uninsured motorists, and I am extremely pleased with the way my case was worked, as well as the outcome. I cannot say anything negative about the law firm whatsoever, but I can tell you that being hit by uninsured vehicles is a nightmare." - Nic Schuman

  • "Loved working with me. Mulherin. Didn’t make me feel rushed or pinned against a wall. He gave me the beat and worse case scenario. Went to bat for me when the insurance company thought they could get away with being cheap. Brooke was amazing to work with to. Always answered calls or emails in a timely manner." - Natasha Campbell

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Wilbur D. Owens Attorney Photo
Wilbur D. Owens
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Mr. Owens devotes his practice exclusively to representing plaintiffs in personal injury and wrongful death claims. His primary focus is automobile/tractor-trailer accidents, dog bites, slip/trip and falls, medical malpractice, injuries from dangerous products, job injuries and nursing home abuse. Before joining forces with Mr. Mulherin to open Owens & Mulherin in 2001, Mr. Owens worked…

Joseph A. Mulherin Attorney Photo
Joseph A. Mulherin
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Mr. Mulherin represents individuals in personal injury cases. His primary practice areas are automobile accidents, tractor-trailer collisions, medical malpractice claims and workplace injuries. Before forming Owens & Mulherin with Mr. Owens in 2001, Mr. Mulherin practiced at Bouhan, Williams & Levy, LLP, from 1984 - 2000, representing both plaintiffs and defendants in personal injury cases.…

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