When you file an insurance claim after a car accident, there are important timelines to follow, potential impacts on your premiums, and optional policy features that can affect your coverage. Knowing these details helps you avoid costly mistakes and choose coverage that fits your needs.

How Long Does an Insurance Company Have to Settle a Claim in Georgia?

In Georgia, the time frame depends on the type of coverage. Liability carriers generally have 30 days to pay once a settlement is reached. If you’re making a claim under your uninsured or underinsured motorist coverage, the insurer has 60 days to pay after receiving a proper demand. Failing to file your lawsuit within the two-year statute of limitations means the insurer has no obligation to pay your injury claim at all.

How Much Will My Insurance Go Up After a Claim in Georgia?

There is no set increase—it depends on your insurer’s policies, your driving record, and whether you were at fault. If you present a claim under your own uninsured or underinsured motorist coverage in Georgia, your premiums cannot legally increase because of that claim.

Will My Insurance Go Up If I’m Not at Fault?

By law, your rates cannot be raised solely due to a claim where you were not at fault. However, your premiums can still increase for other reasons, such as overall rate adjustments in your area or changes to your coverage.

Is It Worth Getting Accident Forgiveness in Georgia?

Accident forgiveness is an optional feature that may prevent your rates from increasing after your first at-fault accident. The value depends on your driving history, the cost of adding it to your policy, and your tolerance for risk. It can be worth it for drivers who want extra protection against premium spikes after a single incident.

How Much Is Accident Forgiveness?

The cost varies by insurer and can be a flat annual fee or a percentage of your premium. For some drivers, the extra cost may not be justified, especially those with a long history of safe driving.

Why Understanding These GA Insurance Details Matters

Deadlines, rate changes, and policy options can directly affect your finances after a crash. Knowing the rules in Georgia—and when legal protections prevent insurers from raising your rates—allows you to make informed decisions. Evaluating optional features like accident forgiveness or personal accident insurance ensures you only pay for coverage that provides real value in your situation.

If you’ve been injured in a car accident, contact a Georgia accident claims lawyer near you.