If you drive a car in Georgia, state law requires you to purchase auto insurance. Many drivers seek advice when choosing an auto insurance policy. If you are near Commerce, GA, our team at Hyman Brown Insurance Agency Inc. is here to help you find the right coverage. We have been assisting drivers like you since 1962.

Tort System vs. No-Fault System: What Does Georgia Use?

According to the Office of the Commissioner of Insurance and Safety Fire, each U.S. state operates under either a tort system or a no-fault system for auto insurance. These systems determine how insurance companies decide who is responsible for paying for repair and medical expenses after an accident. The tort system provides coverage for property damage (including car repairs), bodily injury, and uninsured motorist insurance to cover damages caused by drivers without insurance. In contrast, no-fault insurance states require insurance companies to pay their policyholders directly, regardless of who caused the accident.

Georgia operates under an "at-fault" system, also known as a tort system, according to Freeway Insurance. Georgia follows a modified comparative fault system, meaning an investigation is conducted to determine which driver is at fault. In some cases, both drivers may share responsibility for the accident, and each will be assigned a proportional amount of financial liability for the associated costs.

Contact Us Today

While you may know that auto insurance is legally required, you might not be aware of the specific types of coverage you need. Our team at Hyman Brown Insurance Agency Inc. can explain which types of insurance are mandatory and which are optional. Drivers in the Commerce, GA area trust us for exceptional client support. Call us today to schedule an appointment, and let’s discuss your auto insurance needs.