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Georgia
choice of forum
| Choice of Law | Admission of Extrinsic Evidence | Insurer Allocation | Pre-Tender Fees | Statute of Limitations |
|---|---|---|---|---|
| Lex loci contractus | Facts known or available to the insurer | Not Addressed | Not recoverable | 6 years |
| General Tel. Co. of Southeast v. Trimm, 252 Ga. 95, 96 (1984) | Yeomans & Assocs. Agency, Inc. v. Bowen Tree Surgeons, Inc., 618 S.E.2d 673, 679-80 (Ga. Ct. App. 2005) | O'Brien Family Trust v. Glen Falls Ins. Co., 461 S.E.2d 311, 380-81 (Ga. Ct. App. 1995) Recoverable from breaching insurer State Farm Mut. Auto. Ins. Co. v. Sloan, 258 S.E.2d 146, 147 (Ga. App. Ct. 1979) | (Ga. Code Ann. § 9-3-24) |
| Pre-Judgment Interest | Late Notice | Public Policy Bar | Independent Counsel | Atty's Fees/Decl. Relief Action |
|---|---|---|---|---|
| 7% | Unreasonable delay bars coverage | Not a bar | Right to independent counsel triggered by insurer’s reservation of rights | Suggested recoverable – but not applied |
| (Ga. Code Ann. § 7-4-2) | KHD Deutz of Am. Corp. v. Utica Mut. Ins. Co., 469 S.E.2d 336, 338 (Ga. Ct. App. 1996) Allstate Ins. Co. v. Walker, 562 S.E.2d 267, 268 (Ga. Ct. App. 2002) | Greenwood Cemetery, Inc. v. Travelers Indem. Co., 238 Ga. 313, 316-17 (1977) Hooters of Augusta, Inc. v. American Global Ins. Co., 272 F. Supp. 2d 1365, 1377 (S.D. Ga. 2003) | American Fam. Life Assur. Co. of Columbus, Ga. v. U.S. Fire Co., 885 F.2d 826, 836 (11th Cir. 1989) Utility Serv. Co., Inc. v. St. Paul Travelers Ins. Co., 2007 WL 188237, at *4 (M.D. Ga. Jan. 22, 2007) | Standard Guar. Ins. Co. v. Hulsey, 420 S.E.2d 54, 56 (Ga. Ct. App. 1992) Recoverable when denied in bad faith Ga. Code § 33-4-6 |