---
title: O.C.G.A. § 33-34-3.1. Filing of rates and forms; optional coverage.
collection: code
id: 33-34-3.1
cite_as: O.C.G.A. § 33-34-3.1 (2025)
canonical_url: https://georgiacommons.org/code/33-34-3.1
md_url: https://georgiacommons.org/code/33-34-3.1.md
text_url: https://georgiacommons.org/code/33-34-3.1/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=650
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/33-34.md
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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 / MOTOR VEHICLE ACCIDENT REPARATIONS
---

# O.C.G.A. § 33-34-3.1. Filing of rates and forms; optional coverage.

(a) All insurers writing private passenger automobile insurance in this state shall file rates and forms for medical payments coverage for a limit of at least $2,000.00 but may file rates for higher or lower limits. The requirement for filing forms and rates under this subsection shall not be construed as a requirement for the offering or quoting of medical payment coverages to insureds or as authority for the Commissioner to require the offering or quoting of such coverage.

(b) Insurers may offer other optional coverage including combinations of sublimits and interests restricted to named insureds and resident relatives. Insurers may make collision, comprehensive, and loss of use coverages available as separate individual coverages and subject to differing levels of deductibles at the request of the policyholder.

(c) Any rule or regulation promulgated which expands or conflicts with this Code section shall be null and void.

## History

Code 1981, § 33-34-3.1, enacted by Ga. L. 1997, p. 683, § 5; Ga. L. 1998, p. 1064, § 11.

## Law Reviews

For review of 1998 legislation relating to insurance, see 15 Ga. St. U.L. Rev. 153 (1998).