Georgia drivers are required to carry a minimum amount of car insurance coverage to legally drive. But car insurance laws go beyond stating the types and amounts of auto insurance coverage you carry.
Understanding how Georgia’s car insurance laws work can help you if you are ever involved in a car accident. That way, the process may not be so overwhelming. Your Atlanta car accident lawyer will be by your side throughout the claims process when you have further questions or concerns.
Continue reading to learn more about how to file a car insurance claim in Georgia and what to expect from the insurance company when you do.
Georgia is a fault state for car accidents and insurance purposes. This means when you have been seriously injured in a car accident, you will file your claim with the at-fault party’s insurance provider.
It is possible you could also file a claim with your own insurer. But this is only so long as you carry personal injury protection coverage on your own auto insurance policy.
After you file your claim with the insurance company, the insurance adjuster will probably ask you to make a statement. But beware. The insurance company isn’t on your side and will look for ways to reduce your compensation.
It isn’t as though the insurance adjuster you talk to is a villain. They will likely be very polite about what has happened to you. But you have to remember who they work for. If the insurance company pays out on your claim, that means they are going to lose money.
This clearly is not in the insurance company’s best interest. So what do they do? They look for any opportunity they can find to reduce the amount they have to pay you. There are several different ways they accomplish this goal.
First, they can take your statement and twist your words. If they can make it seem as though you have admitted fault for the accident, they can pay you less.
The other way is by making you a fast offer. That may seem like a dream come true, but fast offers usually mean your claim is worth a great deal more. The insurance company tempts you with some money they know you need. But if you understand your claims' worth and stand your ground, your chances at making a full financial recovery are much greater.
If you want to protect your injury settlement, you can do so by having your car accident lawyer represent your interests. We will ensure the insurance company is unable to take advantage of you during these trying times in your life.
You can’t avoid dealing with the insurance company. But when you have an experienced Atlanta car accident lawyer at Monge & Associates by your side, the process doesn’t have to be so overwhelming.
We offer free, no-obligation consultations to accident survivors across Atlanta. Schedule today by visiting our website or calling our office at 678-382-6043.
At Monge & Associates, we don’t do average. Our legal team of approximately 100 members has a relentless drive to deliver an exceptional experience to the people of Atlanta, GA, and beyond. When you hire us, you hire an army of highly talented legal professionals with the resources to go into battle against billion-dollar insurance companies and big corporate interests. ... View full business profile here: Monge & Associates, P.C
