Car accidents are stressful, and not having car accident insurance can make it worse. Accidents rank as the most traumatic event for males and the second most traumatic event for women in the United States. But as the old saying goes: what’s done is done. If you were in an accident, take a deep breath and try to remain calm. It’s time to focus. Here’s what to do after a car accident and what to expect when dealing with car accident insurance.
CAR ACCIDENT INSURANCE COVERAGE
Car insurance coverage varies from policy to policy. But there are some commonalities that remain true across policies. Georgia, for example, is an at-fault state. What this means is that the driver who was at-fault in the accident is liable for any personal injury or property damage as a result of the accident.
All drivers are required to carry liability insurance. This is because most car accidents involve some form of damage, usually bodily injury and/or property damage, and many times the damages are quite significant. If you were in a car accident and you believe it was the other driver’s fault, you can file for damages. The amount of compensation depends on the extent of the damages.
FILING AUTO ACCIDENT CLAIMS FOR DAMAGES
The person injured in an accident in an at-fault state like Georgia can expect compensation in one of the following ways:
Filing a claim with their own insurance company. In this situation, the insurance company seeks compensation from the at-fault driver’s insurance provider on the injured person’s behalf.
Pursuing a claim with the at-fault driver’s insurance directly. Often, handling this on your own results in a lower payout.
Filing a personal injury lawsuit against the at-fault driver in civil court. This can be the best way to ensure you get the compensation you deserve after a car accident.
CAR ACCIDENT SETTLEMENTS
Believe it or not, most car accident cases are settled outside the courtroom. Many times, the car accident insurance company of the responsible party offers a settlement. If you are offered a settlement, you need to consider it carefully before accepting it.
Remember, insurance companies are not your friend. The rep you speak to may be nice. They may offer empathy and condolences. But at the end of the day, this is a business to them. And their business is maximizing profits and minimizing loss. In some cases, the insurance company representing the at-fault driver may try to shift responsibility. If their driver is 100% at fault, they are on the hook for 100% of the damages. But if they can prove that you are 20% at fault, now they are only responsible for 80% of the damages, thereby limiting your compensation. Consulting legal help may be a good idea to ensure that the settlement you are offered is fair and in accordance with the law.
GET HELP NOW
If you are in need of medical or legal help after a car accident, don’t wait–contact us today. Remember, the car accident already happened and there is nothing you can do to change that. But you decide what happens now. Take a deep breath, stay focused, and call us at 1-800-WE-TREAT to get the help you need.