08/03/2026
There's a famous Georgia case from 1970 where a judge wrote that any juror who didn't know insurance was involved should be excused, because they were, in his words, an idiot.
Tyler Watkins explains one of the stranger rules in Georgia law. When someone causes a crash and hurts another person, it's the insurance company that decides whether to accept responsibility, hires the defense lawyer, and approves any settlement. But in front of a jury, none of that can be said. It's even redacted out of documents. Everyone pretends it doesn't exist.
There's a reason. The law doesn't want juries deciding cases based on who has money, only on the evidence and the true amount of damages. He agrees with that principle. The trouble is that to this day, one of the most common questions jurors ask in deliberation is whether the defendant has insurance, and no one is allowed to tell them. It never comes up when the defendant is Amazon or Tesla. It always comes up when the defendant is an individual.
So the jury sits there wondering whether a verdict comes out of one person's pocket, when the answer is already in the courtroom, just without a name tag.
Tyler Watkins | Atlanta Litigation Attorney
Gorinshteyn & Watkins, LLC