Georgia’s insurance laws determine which type of claim you can file. Twelve states have passed no-fault legislation to decrease potentially frivolous lawsuits and stop clogging up the court system with small claims. However, Georgia is not one of them and is an at-fault state.
No-fault states require drivers to have their own insurance to cover their injuries instead of filing the claim with the other party’s insurance company. Drivers must carry a minimum amount of personal injury protection (PIP) coverage.
Sometimes called no-fault insurance, PIP covers the medical expenses for you and your passengers in a car wreck up to the policy’s limits. People who live in a no-fault state, such as Florida, have to file a first-party claim with their own insurance carrier to cover their injuries.
However, if you live in a fault state, such as Georgia, you can file a third-party claim with the at-fault driver’s insurance carrier. Their bodily injury (BI) coverage will pay for your medical expenses up to their policy limits.
