---
title: O.C.G.A. § 33-32-4. Refund of premium payments where insured sustaining total loss of property receives less than maximum amount payable under policy.
collection: code
id: 33-32-4
cite_as: O.C.G.A. § 33-32-4 (2025)
canonical_url: https://georgiacommons.org/code/33-32-4
md_url: https://georgiacommons.org/code/33-32-4.md
text_url: https://georgiacommons.org/code/33-32-4/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=628
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/33-32.md
previous: https://georgiacommons.org/code/33-32-3.md
next: https://georgiacommons.org/code/33-32-5.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 / PROPERTY INSURANCE
---

# O.C.G.A. § 33-32-4. Refund of premium payments where insured sustaining total loss of property receives less than maximum amount payable under policy.

In the event of a total loss of property, if an insurer shall pay to the insured an amount less than the maximum amount authorized to be paid under an insurance policy covering the property, the insurer shall refund to the insured the difference between the amount of premiums actually paid for the insurance policy and the amount of premiums which would have been charged for a property insurance policy having a maximum amount payable equal to the amount actually paid by the insurer to the insured.

## History

Ga. L. 1895, p. 51, § 1; Civil Code 1895, § 2110; Civil Code 1910, § 2545; Code 1933, § 56-701; Code 1933, § 56-3205, enacted by Ga. L. 1960, p. 289, § 1.