Car Accident FAQ
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Q: What Should I Do If An Accident Occurs?
A: The most important thing is make sure the accident scene is safe and everyone is out of harm's way. Once the area is under control it is important to call 911. Once the police and emergency services arrive it is important to inform them of the facts of the accident. If there is a lawsuit resulting from the incident anything said by anyone at the scene may be used later in court. Statements made to the police officer at the scene will be recorded on the police report and used later in determining the outcome of the case. Therefore, it is important to be as clear and accurate as possible when talking to the police.
Q: What If I am a Passenger in the Accident?
A: Unless you are an immediate family member, you will usually have full rights to sue the at-fault driver for negligence. It is important to note that immediate family members usually cannot sue one another since Georgia recognizes interspousal immunity, parental immunity, and sibling immunity.
Q: Should I Talk to an Insurance Adjuster?
A: Many clients ask us if they should talk to an insurance adjuster when they are being contacted after an accident. The simple answer is that you should not speak to the insurance company until AFTER you have spoken to a personal injury attorney about your case. Why you ask? Simple. Insurance agents are trained to find loopholes and reasons to deny your claim. After all, if they pay you a settlement then their company's profit suffers. Insurance companies are designed to generate profit, not payouts. And remember, it makes no difference if its your insurance company or the other person's insurance company, they are protecting their bottom line, not yours.
Q: What If My Bills are Higher than the At-Fault Driver's Insurance Limits?
A: Unfortunately there aren't a lot of great options when this occurs. It's one of the biggest reasons to carry uninsured motorist coverage and medical coverage. However, an injured person can negotiate for payment from the at fault driver if that person can actually afford such an agreement. However, most people can't afford to cover damages since they probably don't have enough wealth to afford it. The other option is to negotiate with the medical providers by requesting them to reduce their bills. They are often willing to negotiate once they have been informed that there is insufficient insurance and the injured person can't afford to pay.