When Georgia last set its minimum auto insurance limits, gas was just over a dollar a gallon and the average hospital stay cost a fraction of what it does today. Fast forward more than forty years medical bills have skyrocketed, vehicle prices have doubled, and serious injuries now cost hundreds of thousands of dollars to treat.
Yet Georgia’s minimum liability coverage has stayed frozen at just twenty five thousand dollars per person.
At Hasty Pope Injury Law, our Gainesville Georgia injury lawyers and Canton Georgia accident attorneys see the damage this outdated law causes every single day. Victims with catastrophic injuries are left with bills far beyond what the at-fault driver’s insurance will ever cover.
1. The Harsh Reality Behind “Minimum Coverage”
Georgia law requires all drivers to carry at least:
- $25,000 for bodily injury per person
- $50,000 per accident
- $25,000 for property damage
That might sound reasonable until you look at what real injuries cost. A single ambulance ride and emergency room visit can exceed $10,000. Add imaging, surgery, therapy, and time away from work, and even a moderate injury can top $100,000 in damages.
Victims quickly learn that the “minimum” doesn’t come close to making them whole.
2. Who Pays When the Policy Runs Out?
Once the at-fault driver’s policy limit is reached, the insurance company’s responsibility ends. The rest of the burden falls on the victim.
That’s where underinsured motorist coverage becomes crucial it steps in when the other driver’s insurance falls short.
But here’s the problem: many Georgia drivers reject or underfund that coverage to save a few dollars a month, not realizing how much protection they’re giving up.
3. The Human Cost of Outdated Laws
Every week, we meet people who did everything right. They wore their seatbelt. They carried insurance. They were hit by someone else’s negligence and yet they’re stuck with six-figure medical debt because Georgia hasn’t updated its minimum limits in more than four decades.
This isn’t just bad policy; it’s unjust. The cost of living, medical care, and vehicle repair have all increased exponentially but Georgia’s laws haven’t kept pace.
4. Why Change Is Long Overdue
Other states have recognized this gap and raised their minimum coverage. For example, California increased its limits in 2025 to $30,000 per person and $60,000 per accident the first step toward aligning the law with real-world costs.
Georgia hasn’t moved an inch. That failure leaves victims exposed and gives insurance companies an easy out.
5. How Hasty Pope Fights for Fairness
Until lawmakers act, victims rely on firms like Hasty Pope to find every possible path to recovery. Our attorneys:
- Investigate all available insurance coverage, including umbrella and employer policies.
- Pursue negligent drivers, companies, and third parties for additional compensation.
- Prepare every case for trial to pressure insurers into paying what’s fair.
With more than 130 years of combined experience, our team has a long record of standing up to big insurers and fighting for Georgians who were left behind by outdated laws.
The Bottom Line
Georgia’s minimum auto insurance limits no longer reflect reality. They protect insurance companies far more than they protect the people these laws were meant to serve.
Until the law changes, Hasty Pope Injury Law will continue to fight for the injured one case, one family, and one verdict at a time.
Call Hasty Pope Injury Law Today
If you’ve been hit by a driver with little or no insurance coverage, don’t face the system alone. Our Gainesville Georgia injury lawyers and Canton Georgia accident attorneys will uncover every available source of recovery and fight to get you what you deserve.
Free Consultation – No Fees Unless We Win