Question

What sources of compensation are available to cover my losses following a car accident in Georgia?

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Answer

In Georgia, there are several sources of compensation potentially available to individuals who were injured in a motor vehicle accident. These include the insurance carrier for the person who caused the crash, that person’s personal assets and the victim’s own auto insurance company.

The other driver’s auto insurance

If you are hit by another driver and injured as a result, ideally the other motorist will have sufficient insurance to cover the cost of your medical treatment, auto repairs and other damages. It is important that you find out if the other driver is insured, and if so, their insurance information, as soon as possible so that you and your personal injury attorney can get in touch with the insurer and find out the other driver’s liability limits, valuable information that can help you evaluate your options. Sometimes, the insurance company will share this information with you upon request. Others require you to follow specific steps laid out under Georgia law.

Your auto insurance

Another compensation option could be your own auto insurance. For example, your insurance probably includes Uninsured/Underinsured Motorist Coverage (UM). This is for situations where you are injured by a driver without insurance or whose liability limits are too low to compensate you. In addition, you likely have no-fault coverage for medical payments. This can be helpful depending on the circumstances of your accident, but only in the short term. Typically, your insurance will only cover the costs of immediate medical care such as your visit to the emergency room.

The other driver’s assets

Finally, the liable driver may have significant personal assets. If insurance is not available to compensate you, personal injury litigation may help you hold the negligent motorist responsible for their actions.

Which compensation should I pursue?

Figuring out how you will be compensated for your injuries can be difficult, requiring a careful evaluation of the facts and applying Georgia personal injury law. An experienced personal injury attorney will walk you through your options so you know what to do to get maximum compensation as soon as possible.

Disclaimer: The answer is intended to be for informational purposes only. It should not be relied on as legal advice, nor construed as a form of attorney-client relationship.

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