Uninsured motorist coverage is offered to match the policy's liability limits, but it does not have to stay matched. Georgia law requires the insurer to make UM coverage available up...
Uninsured motorist coverage in Georgia generally reaches beyond the named policyholder to relatives who live in the same household. Resident relatives are typically included within the definition of an "insured,"...
Medical payments coverage (MedPay) and uninsured/underinsured motorist (UM) coverage are two separate first-party benefits that can both apply after a Georgia crash, and they generally work in sequence rather than...
Georgia does not force every driver to carry uninsured motorist coverage, but it does require insurers to put it on the table. Under O.C.G.A. § 33-7-11, an insurer issuing a...
Permanent hearing loss is valued in Georgia by combining its measurable economic costs with the non-economic harm of losing the sense of hearing. The valuation reflects both sides: the price...
Permanent facial scarring and disfigurement are valued in Georgia primarily as non-economic damages, compensating the lasting harm to a person's appearance and the emotional and social toll that comes with...
A Georgia bad-faith claim under O.C.G.A. § 33-4-6 fails if the insurer had a reasonable basis for refusing to pay. The entire concept of bad faith turns on the absence...
Add-on uninsured motorist coverage is valuable precisely because it does not give the at-fault driver's insurer a discount against the injured person's own benefits. Rather than blending into the liability...
A "phantom vehicle" claim involves an unidentified driver who caused a crash and then left, leaving no liability insurer to pursue. Georgia's UM statute, O.C.G.A. § 33-7-11, allows recovery in...
When a Georgia insurer is found to have refused a first-party claim in bad faith, the statutory penalty is calculated as a percentage of the loss, with a fixed floor....