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Because most insurance coverage follows the insured vehicle and not the named policyholder, your insurance policy will likely cover their collision. However, if the driver in someone else's car caused the accident, that person will be liable for any resulting injuries and property damage.
Georgia law requires drivers to carry minimum auto insurance: Bodily injury liability insurance of at least $25,000 per person. Bodily injury liability insurance of at least $50,000 per accident. Property damage liability insurance of at least $25,000 per accident.
Georgia negligence law utilizes a comparative fault standard. This means that your negligence and that of another driver will be compared against one another to ascertain what, if anything, you will be able to recover in the way of compensation.
If you own a car and permit someone else to drive it, you will generally be liable for any damages they cause.
In general, insurance coverage follows the vehicle and not the person in Georgia. This means that the owner's automobile insurance coverage would be the primary source of compensation if you were in a car accident in his vehicle, not your own automobile insurance policy.
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.
Generally, one could expect minor collisions with minimal property damage and minor injuries to result in settlements between $2,500 and $25,000. For Accidents resulting in severe injuries, the range sits at anywhere between $50,000 and $200,000, or possibly more.
If the worst happens and you're in a motor vehicle accident, here's what you need to do. Take note of traffic violations. The best time to decide who is at fault is at the scene of the accident. ... Start collecting evidence. ... Talk to witnesses. ... Consider if the other driver was negligent. ... Get a compensation lawyer on board.