Rideshare Accidents in Georgia: Two Statutory Clocks and App-Off. O.C.G.A. § 33-1-24(a)(5) (2025, opened) defines TNC 'services' as two clocks, not three marketing buckets: (A) the period a driver is logged on to the digital network and available to accept a ride request until logged off, except for (B); (B) the period a driver accepts a ride request until the driver completes the transaction or the ride is complete, whichever is later. Call (470) 852-6328. Cooper Law publishes no case results.
Reviewed by Omar A. Cooper, Esq. · Last updated September 3, 2026
Two statutory clocks, plus app-off
Dollar floors
Waiting
O.C.G.A. § 33-1-24(a)(5) (2025, opened) defines TNC 'services' as two clocks, not three marketing buckets: (A) the period a driver is logged on to the digital network and available to accept a ride request until logged off, except for (B); (B) the period a driver accepts a ride request until the driver completes the transaction or the ride is complete, whichever is later. The Code does not split 'en route to pickup' from 'passenger onboard' — both are (B).
App-off is outside 33-1-24.
If the driver's coverage used to meet (b) lapses or ceases, the TNC shall provide coverage which shall become primary beginning with the first dollar of a claim ((f)). Nothing requires a personal auto policy to cover TNC services; insurers may exclude any and all coverage while the driver is logged on or providing TNC services ((g)).
On request of the driver's personal insurer, the TNC shall provide within 15 days the date/times of the accident and the precise times in the 12 hours preceding and following that the driver logged on and off ((h)(4)). TNC coverage shall not be dependent on a personal insurer first denying a claim.
A practical three-bucket description that stays faithful to the statute: (0) app off — no TNC statutory coverage in 33-1-24; (1) logged on / available = (a)(5)(A); (2) accepted through completion = (a)(5)(B). Delivery apps are outside this TNC definition unless they are providing transportation of customers as defined.
Matched/in-trip
Do not apply 33-1-24 floors to DoorDash/Instacart without a statutory hook.
Period (A) — logged on, waiting — § 33-1-24(b)(2): the TNC shall maintain or cause to be maintained a primary policy that provides a minimum of $100,000.00 for bodily injuries to or death of all persons in any one accident with a maximum of $50,000.00 for bodily injuries to or death of one person and $50,000.00 for loss of or damage to property of others, excluding cargo, in any one accident.
Period (B) — after ride accepted — § 33-1-24(b)(3): a minimum of $1 million for death, personal injury, and property damage per occurrence, and UM/UIM as required by § 33-7-11 with minimum limits of $300,000.00 for bodily injuries to or death of all persons in any one accident with a maximum of $100,000.00 for bodily injuries to or death of one person and $25,000.00 for property of others, excluding cargo.
Ga. L.
2023, p. 146, § 1/HB 529 (effective July 1, 2023) substituted the $300k/$100k/$25k UM structure for former 'coverage of at least $1 million' UM at the end of (b)(3).
HB 529 UM cut
Uncodified § 2: applies to causes of action accruing on or after July 1, 2023. The $1 million third-party liability during (B) stayed.
Do not cite Uber/Lyft policy pages as the legal floor.
Comparative fault still applies (§ 51-12-33). Two-year SOL (§ 9-3-33).
Cooper Law: (470) 852-6328; no results or dollar promises.
O.C.G.A. § 33-1-24(b)(2): Logged-on/available: $50,000 one person / $100,000 all persons / $50,000 property.
O.C.G.A. § 33-1-24(b)(3): After accept through completion: $1 million per occurrence plus UM $100k/$300k/$25k (accruing on/after July 1, 2023).
Personal policies may exclude TNC
Check the declarations page; do not assume personal UM applies.
Georgia law that applies
- O.C.G.A. § 33-1-24(b)(2) — Logged-on/available: $50,000 one person / $100,000 all persons / $50,000 property.
- O.C.G.A. § 33-1-24(b)(3) — After accept through completion: $1 million per occurrence plus UM $100k/$300k/$25k (accruing on/after July 1, 2023).
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Related pages
Related Cooper Law pages:
- car accident lawyer
- truck accident lawyer
- rideshare accident lawyer
- wrongful death lawyer
- Atlanta car accident lawyer
- contact Cooper Law
Sources: O.C.G.A. § 33-1-24(a)(5) (2025) · O.C.G.A. § 51-12-33
The firm
Owner-confirmed: Omar A. Cooper, Esq., J.D. Northwestern, GA Bar Sept 8 2023; 260 Peachtree St NW; (470) 852-6328.
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Where these facts were opened
Each fact on this page was opened at the source listed in the verified brief. O.C.G.A. § 33-1-24(a)(5) (2025); O.C.G.A. § 51-12-33.
O.C.G.A. § 33-1-24(a)(5) (2025, opened) defines TNC 'services' as two clocks, not three marketing buckets: (A) the period a driver is logged on to the digital network and available to accept a ride request until logged off, except for (B); (B) the period a driver accepts a ride. Opened at O.C.G.A. § 33-1-24(a)(5) (2025).
Period (A) — logged on, waiting — § 33-1-24(b)(2): the TNC shall maintain or cause to be maintained a primary policy that provides a minimum of $100,000.00 for bodily injuries to or death of all persons in any one accident with a maximum of $50,000.00 for bodily injuries to or. Opened at O.C.G.A. § 33-1-24(b)(2).
Period (B) — after ride accepted — § 33-1-24(b)(3): a minimum of $1 million for death, personal injury, and property damage per occurrence, and UM/UIM as required by § 33-7-11 with minimum limits of $300,000.00 for bodily injuries to or death of all persons in any one accident. Opened at O.C.G.A. § 33-1-24(b)(3).
Ga. L. 2023, p. 146, § 1/HB 529 (effective July 1, 2023) substituted the $300k/$100k/$25k UM structure for former 'coverage of at least $1 million' UM at the end of (b)(3). Uncodified § 2: applies to causes of action accruing on or after July 1, 2023. The $1 million third-party. Opened at O.C.G.A. § 33-1-24 history / HB 529 notes.
FAQs
How many 'periods' does Georgia law actually define?
Two in § 33-1-24(a)(5): logged-on/available (A), and accepted-through-completion (B). App-off is outside the statute. Marketing 'Period 1/2/3' charts that split en route from onboard are not the Code.
What are the dollar floors while waiting for a ping?
(b)(2): $100,000 all persons, $50,000 one person, $50,000 property.
What are the floors after the driver accepts a ride?
(b)(3): $1 million per occurrence for death/PI/PD, plus UM/UIM at $100,000 / $300,000 / $25,000 for claims accruing on or after July 1, 2023.
Will my personal policy cover a rideshare crash?
The statute allows personal insurers to exclude all TNC activity ((g)). Check the policy; do not assume coverage.
Is the $1 million an Uber/Lyft promise or a Georgia statute?
Statute: § 33-1-24(b)(3). Company pages are not the citation.
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Reviewed by Omar A. Cooper, Esq. Call (470) 852-6328 or send the details. The office is 260 Peachtree St NW, Atlanta, GA 30303.
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