The multiplier method with Georgia's actual rules applied: modified comparative, 50% bar, a 2-year filing window. Every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice. Every claim is different.
You recover only while your responsibility stays below 50%. At exactly 50% or more, recovery is barred. The award is reduced by your percentage. (OCGA §51-12-33(g))
2 years for injuries to the person (OCGA §9-3-33). The clock is jurisdictional. One day late and no court will hear the case.
At-fault state, no PIP requirement.
Minimum liability coverage: 25/50/25, meaning $25,000 per person, $50,000 per accident, $25,000 property damage. (OCGA §33-7-11(a)(1)(A)) Policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
Georgia's 2025 tort reform repealed the old ban, not wearing a seat belt can now be used against you for fault apportionment and causation, and the law also curbs damages 'anchoring' and phantom medical billing. Unbelted-plaintiff cases lost real value in 2025. Belt use is now a documentation item.
The same multiplier method used everywhere, so (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage. Then Georgia's fault rule is applied: You recover only while your responsibility stays below 50%. At exactly 50% or more, recovery is barred. The award is reduced by your percentage. The calculator on this page runs exactly that math and prints every line.
2 years for injuries to the person (OCGA §9-3-33). Miss the deadline and the claim is barred permanently, no matter how strong it is. Claims against government entities often have much shorter notice requirements.
At-fault state, no PIP requirement.
Compensatory damages: No cap in ordinary injury cases. Punitive damages: $250,000 cap, with no cap for product liability, specific intent, or impaired driving. Medical malpractice: The $350k non-economic cap was struck down (Nestlehutt, 2010), no enforceable med-mal cap.