TESTivity

Georgia P&C Study Guide

Failed the Georgia P&C exam? There's a good chance it wasn't you.

The most common complaint from people who don't pass isn't the test — it's the study material. And the part they point to most? The state regulations: a few generic, watered-down national pages that looked nothing like the real Georgia exam. TESTivity is built the other way around. Below is a real chapter from the Georgia P&C manual — written for Georgia specifically, not national prep with a state name slapped on the cover. Read it and see the difference for yourself.

Georgia · Property & Casualty Sample chapter

Chapter 10.2.4 Georgia Insurance Regulations

Georgia P&C has three signatures the exam comes back to again and again: a 50% bar on fault (when almost everyone around it uses 51%), a two-option uninsured-motorist setup found nowhere else, and a workers’ comp system that limits which doctor an injured worker can see. Get those three and you’ve covered most of Georgia’s high-value points. Let’s walk through it.

Licensing and rates — the quick version

Georgia P&C pre-licensing is 40 hours per line, with 24 hours of CE (3 of ethics) every 2 years. Surplus lines require a separate license and a documented diligent search of the admitted market first. On rates, Georgia is file-and-use (file and use immediately, OCI can disapprove later) and permits credit scoring for personal lines.

Auto — 25/50/25 and a UM choice unique to Georgia

Georgia is fault-based with minimum limits of 25/50/25 — note the property-damage minimum of $25,000 is higher than Arizona’s and Colorado’s $15,000. UM must be offered, but Georgia makes you choose between two kinds:

  • Add-on (broad form) UM pays on top of the at-fault driver’s liability — you collect both.
  • Traditional (offset) UM pays only the gap between the at-fault driver’s limits and your damages.

If the insured doesn’t sign a form choosing otherwise, Georgia defaults to the broader add-on coverage.

Comparative fault — the 50% bar (not 51%)

This is the classic Georgia comparison question. Georgia uses a 50% bar: you recover only if your own fault is less than 50%. At exactly 50%, you get nothing.

Homeowners and workers’ comp

Georgia has no traditional FAIR Plan — high-risk owners go to surplus lines. Coastal wind (Savannah, the Golden Isles) and statewide flood risk mean NFIP or private flood coverage matters, since homeowners policies never cover flood. Workers’ comp is where Georgia gets distinctive again:

  • Coverage is mandatory only at 3 or more employees — higher than the 1-employee threshold most states use.
  • Employers must post a panel of at least 6 physicians (or use an approved MCO), and the injured worker must generally pick from that panel — Georgia limits free choice of doctor.

Key terms so far

50% bar
Georgia bars recovery at exactly 50% fault — stricter than the 51% bar states.
Add-on vs. traditional UM
Georgia’s two UM options; defaults to the broader add-on form.
Panel of physicians
Employer posts 6+ approved doctors; the injured worker chooses from the panel.

Cancellation and nonrenewal

Georgia nonrenewal needs 30 days notice with the reason stated — a transparency rule it shares with Pennsylvania and Illinois (though theirs run 60 days). Commercial nonrenewal is 45 days. In a new policy’s first 60 days the insurer can cancel for any reason on 10 days’ notice; after that, mid-term cancellation narrows to nonpayment, fraud or material misrepresentation, or a substantial