---
title: O.C.G.A. § 33-24-15. When policies or contracts become effective.
collection: code
id: 33-24-15
cite_as: O.C.G.A. § 33-24-15 (2025)
canonical_url: https://georgiacommons.org/code/33-24-15
md_url: https://georgiacommons.org/code/33-24-15.md
text_url: https://georgiacommons.org/code/33-24-15/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch23-65-(v25)-2020-pdf.pdf?sfvrsn=68297_0#page=182
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/33-24.md
previous: https://georgiacommons.org/code/33-24-14.1.md
next: https://georgiacommons.org/code/33-24-16.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / INSURANCE GENERALLY / GENERAL PROVISIONS
---

# O.C.G.A. § 33-24-15. When policies or contracts become effective.

A policy of insurance or an annuity or endowment contract shall run from midday of the date of the policy or contract; and the time shall be calculated accordingly if the policy or contract is to be in force for a specified period of time unless the hour and minute of attachment of liability is specified.

## History

Orig. Code 1863, § 2773; Code 1868, § 2781; Code 1873, § 2823; Code 1882, § 2823; Civil Code 1895, § 2119; Civil Code 1910, § 2501; Code 1933, § 56-910; Code 1933, § 56-2429, enacted by Ga. L. 1960, p. 289, § 1.