Reading your car insurance policy can feel like reading another language. Trying to understand coverages and limitations feels like you have to be an insurance adjustor or salesman yourself to know what is covered and what isn’t covered. And that’s before you even get into an accident and need the insurance. By the time that you’ve gotten into an accident and need the coverage that your policy or someone else’s provides, you’re not thinking about insurance. You’re thinking about recovering. JD Supra has some insights on issues that can come up regarding your auto insurance in Georgia.
Even beginning to get things sorted means answering some basic questions, such as:
Who was at fault in the accident?
How do you pay your bills until a settlement is reached?
What if the at-fault driver has little or no insurance?
What if the insurance company unfairly denies or delays your claim?
How do you know if the settlement is a fair amount?
Georgia is an at-fault state, meaning that the driver determined to be at fault will pay for the injuries and damages in the accident. A police report can help, but getting a lawyer can help even more.
Getting those medical bills paid is stressful. Some doctors and hospitals will allow you to sign a lien against your settlement and wait for payment until after your case is settled, but some require you to pay out of pocket while you wait.
Make sure that you take uninsured or underinsured motorist coverage as a part of your police. While Georgia law requires everyone to have a minimum of liability coverage, not everyone abides by this rule. Make sure you’re covered by providing your own coverage.
Insurance companies are expected to act expediently and in good faith when it comes to claims. They should not needlessly drag their feet when making a decision.
Of course, the best course of action if you’ve been in an accident is to contact a lawyer as soon as possible.