How Tort Reform Can Lower Insurance Premiums in Georgia
If you’ve noticed your insurance premiums rising or struggled to find affordable coverage, you’re not alone. Georgia’s legal system has contributed to excessive lawsuits, driving up costs for families and businesses alike. Governor Brian Kemp has introduced a comprehensive tort reform package, including Senate Bill 68 and Senate Bill 69, to tackle these issues. In this article, we’ll explain how tort reform can improve Georgia’s insurance market and what you can do to support these efforts.
How Georgia’s Legal System Affects Insurance Costs
The current legal environment in Georgia has led to skyrocketing insurance premiums. Frivolous lawsuits and legal loopholes force insurers to increase rates and reduce policy availability. I have seen firsthand how these rising costs affect my clients, making coverage more expensive and limiting options in the marketplace.
Tort reform is critical to stabilizing insurance costs, increasing competition, and ensuring families and businesses can access affordable insurance policies. If passed, these reforms will help control excessive legal expenses and help control premium increases.
Key Reforms in Senate Bills 68 and 69
Governor Kemp’s tort reform package targets major legal system abuses, including:
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Premises Liability Reform – Protects businesses and property owners from being unfairly held responsible for incidents beyond their control.
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Truth in Medical Damages – Ensures only actual medical expenses are considered in lawsuits, preventing inflated settlements.
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Seatbelt Admissibility in Auto Accidents – Allows jurors to consider seatbelt usage in accident cases.
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Preventing Anchoring – Stops attorneys from introducing unreasonably high damage amounts to juries.
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Trial Bifurcation – Requires liability to be determined before damages are discussed in court.
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Eliminating Double Recovery of Attorney Fees – Prevents excessive legal fees and ensures fair compensation.
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Regulating Third-Party Litigation Funding (SB 69) – Stops foreign adversaries and predatory lenders from exploiting lawsuits for financial gain.
Why This Matters for Georgia Families and Businesses
Unchecked legal system abuse leads to higher costs for everyone—through increased insurance premiums, fewer coverage options, and higher prices on everyday goods and services. These reforms will help bring balance to the legal system, making insurance more affordable and available for Georgia families and businesses.
How You Can Take Action
Your voice matters! Here’s how you can support tort reform and help lower insurance premiums in Georgia:
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Email Your Legislators – Visit www.JusticeNotJackpots.com to send a message to your State Senator and Representative urging them to support these reforms.
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Use Social Media – Share your support online and tag your legislators to spread awareness.
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Share This Information – Forward this article to family, friends, and colleagues to encourage more people to get involved.
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Call Your Legislator – Personal stories make a difference. Find your representative’s contact information here and let them know why you support tort reform.
Act Now to Lower Insurance Costs
Without action, insurance rates will continue to rise, placing more financial pressure on Georgia families and businesses. By supporting Governor Kemp’s tort reform package, you can help create a fairer legal system and more affordable insurance market.
Make your voice heard today and be part of the change Georgia needs!
