PLGeorgiaeasy

Is no-fault Personal Injury Protection (PIP) a mandatory coverage on Georgia personal auto policies?

Q: Is no-fault Personal Injury Protection (PIP) a mandatory coverage on Georgia personal auto policies?

No; Georgia repealed no-fault PIP in 1991 — Georgia operated under the no-fault provisions of its Motor Vehicle Accident Reparations Act until the legislature repealed them effective October 1, 1991. Since then Georgia has been a pure tort state, meaning the at-fault driver's liability coverage responds to injury claims rather than a mandatory first-party PIP benefit. Insurers may still offer optional Medical Payments coverage, but PIP itself is no longer a required line on Georgia personal auto policies. Producers must not represent PIP as compulsory when quoting Georgia auto business.

AYes, PIP is required at $10,000 minimum

BYes, PIP is required only for commercial vehicles

CNo, but PIP is required for drivers under age 25

No; Georgia repealed no-fault PIP in 1991

Why this is the answer

Georgia operated under the no-fault provisions of its Motor Vehicle Accident Reparations Act until the legislature repealed them effective October 1, 1991. Since then Georgia has been a pure tort state, meaning the at-fault driver's liability coverage responds to injury claims rather than a mandatory first-party PIP benefit. Insurers may still offer optional Medical Payments coverage, but PIP itself is no longer a required line on Georgia personal auto policies. Producers must not represent PIP as compulsory when quoting Georgia auto business.

Studying for the Georgia Personal Lines exam?

This question comes from our PL bank. Take a free practice test — no signup.

Free PL practice test Personal Lines exam guide