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Georgia Personal Injury Laws

Georgia follows a modified comparative fault system with a 50% bar — you can recover damages only if your fault is less than 50%. The general statute of limitations for personal injury is 2 years. Georgia is a fault-based auto insurance state with no PIP requirement. There are no caps on compensatory damages in general personal injury cases, but punitive damages are generally capped at $250,000.

Last verified: 2026-02-25

Statute of Limitations

2 yearsO.C.G.A. § 9-3-33

Personal injury claims must be filed within 2 years of the date of injury.

Exceptions

Discovery Rule (Limited)VariesO.C.G.A. § 9-3-33

Georgia applies the discovery rule narrowly. In limited circumstances such as toxic exposure or latent injury, the clock may not start until the plaintiff knew or should have known of the injury.

MinorsTolled until age 18O.C.G.A. § 9-3-90

The statute of limitations is tolled until the minor turns 18, at which point the standard 2-year limitations period begins to run.

Wrongful Death2 years from date of deathO.C.G.A. § 51-4-2

Wrongful death actions must be filed within 2 years of the date of death.

Property Damage4 yearsO.C.G.A. § 9-3-32

Claims for property damage have a longer 4-year statute of limitations from the date of the damage.

Fault & Liability Rules

Modified Comparative Fault (50% Bar)O.C.G.A. § 51-12-33

You can recover damages only if your fault is less than 50%. Your recovery is reduced by your percentage of fault. If you are 50% or more at fault, you recover nothing. Each defendant is only liable for their proportional share of fault (joint and several liability was largely eliminated by 2005 tort reform).

Damage Caps

Compensatory Damages: No cap

Georgia does not cap compensatory damages (economic or non-economic) in general personal injury cases.

Punitive Damages: $250,000 (with exceptions)O.C.G.A. § 51-12-5.1

Punitive damages are generally capped at $250,000. No cap applies if the defendant acted with specific intent to harm or was under the influence of drugs or alcohol. 75% of punitive damage awards go to the state treasury.

Auto Insurance System

Fault (Tort)O.C.G.A. § 33-34-3

Georgia is a fault-based auto insurance state. The at-fault driver is responsible for damages. Minimum liability coverage is 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage). Uninsured motorist coverage is mandatory unless rejected in writing. No PIP requirement.

Filing Requirements

Filing Fee (Superior Court)~$200–$230

Filing fees for civil complaints in Georgia Superior Courts vary by county, typically around $200–$230.

VenueO.C.G.A. § 9-10-31

Cases are generally filed in the Superior Court of the county where the defendant resides or where the tortious act occurred.

Key Georgia Statutes

Apportionment of Damages (No Joint and Several)O.C.G.A. § 51-12-33

Georgia's 2005 tort reform replaced joint and several liability with proportional apportionment. The trier of fact determines the percentage of fault of each party and nonparty. Each defendant is only liable for their proportional share of fault.

Wrongful Death ActionsO.C.G.A. § 51-4-2

A wrongful death action is brought by the surviving spouse (or if none, the children; if none, the parents) to recover the full value of the life of the decedent.

Uninsured Motorist CoverageO.C.G.A. § 33-7-11

Uninsured motorist (UM) coverage must be included in all auto liability policies unless the policyholder rejects it in writing.

Official Sources

Not Legal Advice

This information is for general reference only and does not constitute legal advice. Laws change — verify current statutes at Georgia General Assembly — Official Code. For advice about your specific situation, consult a licensed attorney.

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