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Georgia Insurance Laws and Regulations

The Georgia Office of Insurance develops and enforces insurance laws for the state. The state of Georgia does not publish raw or compiled complaint information for consumers to use when they are shopping for insurance. Consumers can contact the department with questions and complaints about their auto and home insurance. Consumers not receiving the service they expect from an insurer can file a complaint directly with the Georgia Office of Insurance.

The insurance commissioner in the state of Georgia is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of Georgia can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Georgia.

The Georgia Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

Georgia has minimum auto insurance amounts that are required by law. The table below shows the GA minimum car insurance limits.

Resources Available to Consumers

The Small Claims Court is available for Georgia residents to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.