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 — $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Georgia's 2025 tort reform repealed the old ban — not wearing a seat belt can now be used against you for fault apportionment and causation, and the law also curbs damages 'anchoring' and phantom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 — (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 — and 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.