Your Insurance and how it Affects an Auto Accident Case

Who Should Have Auto Insurance?
If you own and operate a motor vehicle, you should have an insurance policy. In Georgia, the law requires that all drivers must have at least the following required minimum auto insurance coverages for your vehicle: Bodily Injury Liability: $25,000 per person and $50,000 per accident. Property Damage Liability: $25,000 per accident. That is just the minimum required by law. The minimum may not be enough to cover you completely, so it’s essential to do your research and know what you’ll need to satisfy your insurance needs. Ultimately the type of insurance that you carry and the type that other involved drivers in your auto accident carry, has real and direct impact on your capability to receive appropriate compensation for all your medical bills and property loss.

At-Fault Driver Policy
When an accident occurs, it is essential that you get all the pertinent information about all drivers involved in the traffic collision. The items you want to gather are as follows:

  • Full names of all other drivers involved in the accident
  • Telephone Numbers
  • Addresses
  • Insurance Policy Information (Policy-holder name, policy number, etc.)

Remember that timely reporting of the accident to your insurance company will assist them in getting your claim and your needs addressed sooner rather than later.

The cost of property damages, repairs to the vehicles involved and often the cost of rental cars are covered by the responsible driver and his/her insurance company. If you suffered a personal injury, the insurer of the at-fault driver is responsible for compensating you for the injuries you sustained in the accident.

The claim’s acting agent may request that you provide a recorded statement regarding the accident. You are under no obligation to do this, and it’s highly advised you consult with a local attorney who has experience in personal injury and auto accident cases before getting engaged in any sort of conversation with an insurance company or one of their representatives.

You should not be surprised if the claim’s adjuster for your accident requests medical authorization to obtain copies of your medical bills and records. That request should be denied. Remember to consult with your attorney first and do not sign away your rights. Ensure that you obtain the records and review them. Only provide the portion of the records that are pertinent to your case. Do not unwittingly or unnecessarily disclose your full medical history.

Your Auto Insurance Policy Can Affect Your Auto Accident Case. Here’s How:
If you’re involved in an auto accident and aren’t the at-fault driver, does your auto insurance matter? Absolutely. It may be required by law for every driver on the road to have valid insurance, but that doesn’t mean every driver will abide by the letter of the law and maintain coverage.

If you’re the victim of an accident involving an uninsured motorist, or a driver whose coverage fails to cover all your losses and claims, it will be your insurance policy you’ll be relying on to cover the remaining expenses. When making sure that your insurance coverage is adequate, always verify that an “underinsured/uninsured motorist” provision is included to assist you in making certain you recoup all losses incurred.

In the case of an accident involving an at-fault uninsured driver, you’ll end up working with your insurance company to receive a settlement for your personal injuries and property damages.

Auto accidents and the personal injuries incurred are daunting and overwhelming to endure. To successfully navigate the situation, you may want to reach out to a lawyer to aid you in this process. If you prefer to speak with a local lawyer, we are local to both Metro Atlanta and Northeast Georgia. We can come to you in person or digitally, or you can come to one of our offices.

All it takes is making the right call. Dyal Jenkins.

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