GA · State Playbook
What the law in Georgia says about your case — deadlines, fault rules, and what you can actually recover. Built from primary statutes and AskMatlock research.
Statute of limitations
2 years
Two years from the date of the accident under O.C.G.A. § 9-3-33.
Fault rule
Modified comparative negligence — 50% bar rule
Modified comparative negligence — 50% bar rule. If you are 50%+ at fault, recovery is barred.
Diminished value posture
First-party diminished value proactively mandatedMabry v. State Farm (Ga. 2001) requires insurers to proactively evaluate first-party diminished value claims. Georgia is the only state in the US with this proactive-evaluation mandate.
Of all 50 states, Georgia is the most favorable for diminished-value claims. The "17c formula" originated here and is the floor, not the ceiling.
Open Property Damage Toolkit →O.C.G.A. § 33-24-53 — Georgia-specific auto-accident solicitation statute prohibits paid runners contacting victims for the first 30 days.
Modified comparative negligence with 50% bar.
First-party diminished value claim proactively required (Mabry).
Specialist diminished-value appraisers operate at scale here — search "Georgia diminished value appraisal".
Per the AskMatlock $15B research, Georgia accounts for ~$1.1B of the 5-year unrepresented serious-injury gap.
Every fact in this playbook is sourced from primary statutes, bar opinions, or peer-reviewed research. We do not invent numbers. This is not legal advice; state law changes frequently and case-specific facts matter — when your case warrants it, the Bodily Injury Claim tool lets you browse verified attorneys in Georgia and pick.
