Causation is necessary to determine in your automobile insurance claim, as Georgia is a fault-based insurance state. This means that the driver or party at fault for the car crash is liable, or financially responsible, for related losses. In a no-fault state, on the other hand, all drivers will seek benefits from their own insurance providers, regardless of fault. Every driver in Georgia must carry at least the minimum required amounts of liability insurance to cover bodily injuries and property damage. After a car crash, if you did not cause the wreck, you will file an insurance claim against the other driver to seek benefits through his or her insurance. If the other driver is attempting to blame you for the crash, you may need a car accident lawyer to help you refute fault.