Georgia's 2025 tort reform under SB 68 and SB 69 fundamentally changed how insurance coverage disputes are litigated across the state. SB 68 limited medical damages evidence to amounts actually paid or owed rather than full billed costs, directly compressing claim valuations in 2026. SB 69 raised the threshold for bad-faith insurance claims while preserving penalty remedies under O.C.G.A. Section 33-4-6 for policyholders who follow the correct procedural path. Both individuals and commercial policyholders in Georgia face a new evidentiary environment that rewards early documentation, precise claim building, and fast legal involvement after a denial. Bad-faith remedies still exist, but the rules of engagement have shifted in ways that catch unprepared claimants off guard.