For the Georgia Personal Lines exam, the Personal Auto Policy (PAP) is tested two ways: the national policy structure and the Georgia auto laws stacked on top of it. This standalone guide walks through the lettered parts every PAP shares, then concentrates on Georgia's rules—the at-fault legal system, the 50% bar comparative-negligence cutoff, the commonly cited minimum limits, and the requirement that UM/UIM be offered. Learn the Georgia overlay especially well, because that is where the state questions live.

The national fundamentals (quick version)

The Personal Auto Policy insures individuals and families for the vehicles they own and drive, organized into clearly labeled parts:

• Part A — Liability Coverage: pays for bodily injury (BI) and property damage (PD) the insured is legally liable for, and includes a duty to defend with defense costs paid on top of the limit.
• Part B — Medical Payments: pays medical and funeral expenses for the insured and passengers regardless of fault.
• Part C — Uninsured/Underinsured Motorists (UM/UIM): pays your injuries when the at-fault driver has no insurance or too little.
• Part D — Coverage for Damage to Your Auto: Collision and Other Than Collision (Comprehensive), each with a deductible, paid at Actual Cash Value (ACV).
• Part E — Duties After an Accident or Loss and Part F — General Provisions set the operating rules.

An insured generally includes the named insured, the resident spouse, resident family members, and anyone using the covered auto with permission. Eligible vehicles are private passenger autos, pickups, and vans not used primarily for business. That national skeleton is identical everywhere; Georgia changes the limits and the legal environment around it.

Georgia is an at-fault (tort) state

Georgia follows a tort (at-fault) approach rather than a no-fault model. Whoever causes the collision is financially responsible, and the injured person recovers from that driver's liability insurance—or through a lawsuit. As a result, liability coverage and financial responsibility dominate Georgia auto law, and there is no mandatory Personal Injury Protection.

How fault is shared: the 50% bar

Georgia uses modified comparative negligence, drawing the line at the 50% threshold:

• An injured party who bears less than 50% of the fault can still recover, with the award reduced by their share.
• An injured party who is 50% or more at fault is barred from recovering anything.

Watch the exact wording. Some states use a 51% bar (you can be 50% and still recover); Georgia's 50% bar is stricter—being exactly 50% at fault means no recovery. A test item often turns on that single percentage point.

Financial responsibility and minimum limits

Georgia drivers must demonstrate financial responsibility, most often by purchasing liability insurance meeting the state's minimum split limits, commonly cited as 25/50/25:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage per accident

Drivers usually refer to this as "25/50/25." These are floor amounts; agents routinely advise higher limits to protect personal assets. Driving uninsured exposes the owner to fines, registration/license penalties, and personal liability for any damages they cause. Confirm the current statutory minimums, since they can change.

Uninsured/Underinsured Motorist offer rules

UM/UIM protects the insured when an at-fault driver has no coverage or not enough. In Georgia:

• UM/UIM must be offered, and the policyholder may reject it in writing. Without a valid written rejection, it is generally included—typically at limits matching the liability limits.
• Georgia lets the insured choose between "reduced" (offset) UIM and "added-on" (excess/stacking) UIM, which affects how the coverage layers over the other driver's limits.
• The at-fault driver must be legally responsible for UM/UIM to apply.

The recurring exam pattern: UM/UIM is built into the policy unless the insured affirmatively waives it in writing, never quietly dropped.

Why there is no required PIP

Because Georgia resolves crashes through the tort system, it does not mandate PIP. Drivers may add optional Medical Payments (Med Pay) to cover medical and funeral expenses for themselves and passengers regardless of fault, but it is voluntary. Treat any answer that calls Georgia a "no-fault" or "mandatory PIP" state as incorrect.

Required vs. optional coverages in Georgia

Key Georgia numbers to memorize

Common exam traps

• Georgia is at-fault, not no-fault—do not expect mandatory PIP here.
• The 50% bar (not 51%): a claimant exactly 50% at fault recovers nothing in Georgia.
• 25/50/25—the $25k repeats (per-person BI and PD); don't swap in the $50k per-accident figure.
• UM/UIM is on the policy unless rejected in writing, generally at limits equal to the liability limits.
• Georgia offers a choice between reduced (offset) and added-on (excess) UIM.
• Hitting a deer is Other Than Collision (Comprehensive), the same as the national rule.
• Liability defense costs are paid in addition to the limit.

Quick recap

• The PAP keeps its national Parts A–F structure; Georgia changes the limits and legal context.
• Georgia is a tort/at-fault state using modified comparative negligence with a 50% bar (50% or more at fault = no recovery).
• Financial-responsibility minimums are commonly cited as 25/50/25.
• UM/UIM must be offered and applies unless rejected in writing, with a choice of offset vs. added-on UIM.
• There is no mandatory PIP, since Georgia settles claims through the tort system; physical-damage coverages are optional unless a lender requires them.