If you own a car, you know that Georgia law requires you to carry a minimum amount of liability insurance. This provides coverage in the event you get into an accident and someone is injured. Since Georgia follows an "at-fault" rule in such cases, your insurance coverage applies to any accident you cause due to negligence. And if the victim's injuries exceed your insurance coverage, you could be held personally liable for any remaining damages.
But what if you were not driving your car when the accident happened? Say...
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