Georgia follows an at-fault auto insurance system, meaning the driver responsible for the accident is liable for damages. Victims can seek
compensation through three primary avenues:
1. Filing a Claim with the At-Fault Driver’s Insurance: The at-fault driver’s liability coverage should pay for medical expenses, property
damage, and other losses.
2. Filing a Claim with Your Own Insurance: If the at-fault driver is uninsured or underinsured, you may be able to recover damages through your uninsured/underinsured motorist (UM/UIM) coverage. For those who have UM/UIM coverage, which is optional, claims against one’s own insurer can help make up the difference when at-fault drivers don’t carry enough insurance to cover damages.
3. Filing a Personal Injury Lawsuit: If the insurance company offers an insufficient settlement or denies your claim, you can pursue a lawsuit to recover full compensation.
In an at-fault system like Georgia’s, the ability to recover damages depends on various legal and practical considerations, including the at-fault driver’s insurance coverage, the strength of your evidence, and the insurer’s willingness to negotiate. Additionally, insurance companies may try to minimize payouts by disputing liability or undervaluing claims, making it essential to have strong legal representation. Our team at The Law Offices of Joshua W. Branch includes Athens car accident attorneys adept at navigating these challenges, with strategies aimed at demonstrating liability clearly and pursuing the maximum compensation you are entitled to receive.