Insurance

Due to the fact that those who drive on Georgia’s roads are legally required to have minimum levels of auto insurance coverage, auto insurance will come into play in the aftermath of virtually any kind of car accident. 

Georgia is a fault state, which means that the driver who was at fault for the accident must make restitution for the damages that they caused. Every motorist ought to carry insurance that covers both their own bodily injuries and any damage they might cause to other people’s property.

The following timetable applies to the majority of auto accidents and insurance claims:

Notifying the Insurance Company: After a collision between two vehicles, it is imperative that both drivers immediately report the incident to their respective insurance companies. It is in your best interest to inform your insurance company of the incident, even in the event that you were not the one who caused the collision. If the other driver does not have insurance or if you have certain types of insurance coverage, such as collision coverage or uninsured motorist coverage, then your own insurance company may also pay you for your losses in addition to the other driver’s insurance company.

Initial Investigation: After receiving notification that a claim has been made, the insurance provider will launch an initial inquiry. They will want to know what took place, who was involved, how extensive the injuries and damages were, and who was responsible. They will be able to determine whether or not their insurance policy was activated and how much they may be required to pay for the claim under the policy with the assistance of this type of information.

Accepting or Denying the Claim: The decision regarding whether or not the insurance company will honor the claim will be made after the investigation has uncovered all of the relevant facts. It will depend on the insurance policy as well as the specifics of the case as to whether or not the insurance company will pay out on the claim, defend itself against a lawsuit, or refuse to provide any assistance at all.

In-Depth Investigation: When an insurance provider determines that coverage is available, the next step is for them to conduct some additional research. Obtaining your medical records, obtaining witness statements, or consulting with experts could all be part of this process. This investigation process can go on for a very long time, and it is likely that it will continue even after you have filed a lawsuit against the other party. They might get in touch with you to inquire further or make a settlement offer in addition to that.

Negotiation or Lawsuit: Either the insurance company will attempt to negotiate a settlement with you before you file a legal claim, or they will compel you to file a claim so that they can collect their payment. Your personal injury attorney will be able to assist you in presenting your case to a judge or jury in court, as well as communicating with the insurance company.

The primary objective of the insurance industry is to generate profits. In the event that you are involved in a car accident, the insurance company for the other driver will almost certainly make an effort to discredit your claim or pay you as little as possible. Our legal practice sees to it that the insurance company never takes advantage of people who have been hurt in car accidents.