A car accident in Georgia triggers a complicated and frustrating compensation claim process regardless of its size or scope. Unfortunately, regulators of responsible insurance companies may attempt to manipulate a victim of a car accident into accepting a small deal and even waiving their claims-making an inaccurate affidavit.
The following statistics are from the Georgia Department of Transportation:
- Number of traffic accidents: 342,534,
- Number of people injured in traffic accidents: 133,555,
- Number of road fatalities: 1,703,
- Average accidents per day: 1,198
Understanding the Car Insurance Compensation Claim in a Car Accident in Georgia:
Maintaining a minimum amount of auto insurance is required for vehicle owners in almost all states. Some states require that anyone who is injured in a car accident should file a claim with their personal auto insurer. Your insurer can take the information collected after an accident and make a corresponding claim with the responsible driver’s insurance company.
Victims who are injured in a car accident in Georgia usually agree to these minor agreements to cover lost wages and rehabilitation costs. However, adjusters are different from lawyers. They cannot make general statements about your legal rights, nor their binding judicial determinations of liability.
Getting the most out of your car accident in Georgia often starts with recognizing the tactics used by for-profit insurers to seek their results. A personal injury advisor could help you apply for benefits, make sure auto insurance companies receive accurate proof to protect you from inadvertently waiving your compensation claims.
Avoid Legal Traps That Prevent or Limit Recovery for Bodily Injuries:
No-fault insurance and threshold injury laws have been passed by several states. These limiting laws may prevent from recovering compensation for minor injuries otherwise covered by personal injury insurance. Threshold laws list the categories of serious injury or loss a claimant must suffer before reporting a contentious car accident.
Types of Damages Typically Available After a Major Car Accident in Georgia:
Before you seek financial compensation for your injuries or agree to a settlement, determine if you have claimed money for any recoverable losses. Sometimes applicants do not realize that they could get money back for their sufferings, and even lost career opportunities. Most states allow victims injured by reckless drivers to recover for the following categories of loss.
Direct Economic Damage:
Economic damage includes all reasonably calculable additional costs incurred as a result of the car accident in Georgia which includes the following:
- Medical expenses
- Lost wages
- The calculable value of lost ancillary benefits
- The calculable value of lost employment opportunities
- Rehabilitation costs required, including acupuncture and massage
- Mileage and round-trip transportation costs for medical examinations
- Vehicle and personal property damage
- Medical equipment, such as crutches, arm splints, and special pillows
- Modifications needed at home
- Help hired to cook, clean, and shop for groceries
- Home nursing and therapy
- Pharmacy overheads
- Food delivery services
Applicants can claim compensation for home help or even reasonable meal delivery services.
As the name suggests, pain and suffering refer to the untold losses associated with a car accident. These include the following categories:
- Physical pain
- Distress and mental distress
- Loss of ability to engage in previously enjoyed activities, such as running, cycling, or even playing the piano
- Discomfort, such as undergoing rehabilitation five times a week, hiring and paying for home help, or time spent claiming disability benefits
- Loss of career
- Physical company with lost spouse
No amount of money can compensate plaintiffs for the agony associated with their sufferings. Insurance companies generally use the total value of direct damage to estimate losses due to pain and suffering.
Expected Future Losses:
Negligent defendants are generally required to compensate injured plaintiffs for all achievable losses resulting from an automobile accident. These losses include past expenses and anticipated future damages. Helping to calculate total future losses often translates into thousands and thousands of dollars in missed compensation for traffic accidents. Ignoring future needs is one of the biggest mistakes applicants make while deciding to accept an offer.
Most jurisdictions recognize a claim called a loss of consortium. It also provides compensation for the additional responsibilities of the unharmed spouse, such as cooking, cleaning, child-rearing, care.
Numerous personal injury cases have resulted in seven-figure bonuses to spouses for the loss of the consortium. The spouse should consider keeping a journal detailing any additional responsibilities taken on that day and the associated mental or emotional fatigue.
Punitive damages can be claimed after a drinking or reckless driving accident. They exist to punish a defendant if particularly striking and shocking behavior has caused a collision with a motor vehicle. Insurance companies do not pay punitive damages, but you can talk to a local lawyer to claim a punitive premium from the negligent driver in a car accident dispute.
Entrusting Viable Auto Accident Cases to a Georgia Accident Lawyer:
If you want to maximize the value of your auto accident case, consider seeking legal counsel. Few, if any, applicants get the compensation they truly deserve without professional help. Call us now for a free consultation with our accident attorneys in Georgia.