Georgia, An ‘At-Fault’ State for Car Accidents – What That Means For Georgia Drivers


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***If You Were At-Fault In A Motor Vehicle Accident In Georgia, We Can Still Help. Click Here To Discuss Your Options***

The moment a car accident happens many questions are asked, stories are shared, and information is exchanged. If big enough the local authorities might intervene and declare the official story on a police report – attempting to give an idea of who was all at fault, and who were the victims. For some states knowing who was at-fault determines who’s insurance company is going to cover the bill, and for others it doesn’t matter at all who was at-fault for the accident. There are fifty states in America and twelve of them have decided to be ‘no-fault’ states. That leaves thirty-eight ‘at-fault’ states. The state of Georgia has decided to be one of the thirty-eight ‘at-fault’ states. There are advantages and disadvantages to both systems that will be discussed.

The No-Fault States – Advantages and Disadvantages

Disadvantages and Advantages of No Fault States

When living in a no-fault state it’s important to understand that when you’re choosing your insurance coverage, you’re picking it for you. Meaning – it doesn’t matter who is at-fault for your accident the insurance company for each victim has to cover the bill for any of their injured clients, leaving the door wide open for scams. The policy that you choose will be the benefits you will receive after an accident. No-fault states aren’t focused on who was at-fault for many reasons, one being the fact that it frees up the local tort law court rooms. In extreme situations when victims were severely injured lawsuits can be filed but victims can only win up to a certain amount. Each state has a declared amount that a victim can win in the extreme cases, but it’s very limited. It’s referred to as the threshold, and your insurance company will most likely ask for you to file for it if you were severely hurt.

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Another key advantage with the no-fault system is the rapid turn around for payment. This can obviously be a disadvantage as well. If you ended up being out of work for longer than expected or if more damage from the accident was discovered past the first few initial days following the accident you’ll most likely not get compensated for that. Insurance companies are known to pay the bill very fast so they can dodge those expenses hiding. Medical professionals have also been known to add on other services to build up the medical bill because they know insurance companies in no-fault states move quickly and don’t say much about the extra charges.

Another advantage of the no-fault system is that no-fault states usually require policy holders to carry a ‘Personal Injury Protection’ (PIP) policy which covers their client physically after any accident. This is always a great policy to have with your insurance because it covers you regardless of what type of accident you were in. This can also mean that you don’t have to worry about diving into your own medical insurance to cover the bill.

The History of No-Fault States: GA Car Accidents

The no-fault system began in the 1960’s and was designed specifically to speed up the financial recovery process that followed an accident, combined with eliminating all of the time and money that went into figuring out who was at fault. It’s not a new system, obviously since it has been around for more than fifty years.

No Fault State Count

The following thirteen states are considered no-fault states:

 

    • Florida
    • Hawaii
    • Kansas
    • Kentucky
    • Massachusetts
    • Michigan
    • Minnesota