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Georgia is not a no-fault state when it comes to auto insurance claims. This means that before an auto insurance company will pay for your wrecked car, medical bills, or other pain and suffering, you need to show which driver was to blame for the crash.
The driver of a vehicle involved in an accident resulting in injury to or death of any person or property damage to an apparent extent of $500.00 or more shall immediately, by the quickest means of communication, give notice of such accident to the local police department if such accident occurs within a municipality.
Since Georgia is an at-fault state, an injured driver who didn't cause the accident is eligible for compensation for their costs.
In Georgia, the law mandates that you call 911 to report a car accident under specific conditions. For example, if the accident occurred within a city or county that has its own rules requiring a report, you must notify the authorities.
The determination of fault starts with the police officer who responds to the accident. At the scene, the officer will talk to drivers and other witnesses and examine the damage to the vehicles. The officer will prepare a report that may include the officer's opinion about who was at fault.
Georgia is an at-fault state, so a driver who causes a collision can be held liable for losses and made to compensate victims. This is true even if the injuries or losses were relatively minor.
If you own a car and permit someone else to drive it, you will generally be liable for any damages they cause.