What is a car accident claim worth in Georgia?
Every rule below is quoted from Georgia law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Georgia, and the Georgia rules that raise or lower what you collect. $24,637 was the average injury claim paid in Georgia in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Georgia law on this site, each with a link.
What claims paid in Georgia
Injury claims in Georgia averaged $24,637 each in 2022.
Car and property damage claims averaged $6,605.
| Injury claim paid by the at fault driver's insurance | $24,637 |
|---|---|
| Car and property damage | $6,605 |
| Medical payments coverage, paid by your own policy | $3,968 |
| Collision coverage, paid by your own policy | $7,346 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Georgia
If you were partly at fault
Georgia uses modified comparative negligence with a 50 percent bar. You can recover damages only if you are less than 50 percent at fault, and your award is reduced by your own percentage of fault. If you are 50 percent or more at fault, you recover nothing.
“the plaintiff shall not be entitled to receive any damages if the plaintiff is 50 percent or more responsible for the injury or damages claimed.”
The other driver's policy limit is the ceiling
Drivers must carry at least $25,000 in liability coverage for injury to one person, $50,000 total for injury to two or more people in one crash, and $25,000 for property damage. This is often called 25/50/25 coverage.
“Not less than $25,000.00 because of bodily injury to or death of one person in any one accident, and...$50,000.00 because of bodily injury to or death of two or more persons in any one accident, and $25,000.00 because of injury to or destruction of property”
If the other driver has no insurance
Insurers must include uninsured and underinsured motorist coverage in every auto policy unless the policyholder rejects it in writing.
“The coverage required under paragraph (1) of this subsection shall not be applicable where any insured named in the policy shall reject the coverage in writing.”
The deadline that ends the claim
You generally have 2 years from the date of the crash to file a lawsuit for your injuries.
“actions for injuries to the person shall be brought within two years after the right of action accrues”
What a lawyer takes if you hire one
Georgia does not set a maximum percentage for contingency fees by rule. A contingency fee must still be reasonable, must be in writing, and must state how the fee and expenses are calculated. When the case ends, the lawyer must give the client a written accounting. Contingency fees are not allowed in most divorce and alimony cases or in defending a criminal case.
“A contingent fee agreement shall be in writing and shall state the method by which the fee is to be determined, including the percentage or percentages that shall accrue to the lawyer”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.