State legal systems and insurance companies have a symbiotic relationship. This relationship affects how insurance claims are processed, as well as how compensation gets disseminated. Learning how state laws affect insurance claims can help you prevent disappointment in an otherwise manageable situation.
Determining Fault in Georgia
Georgia uses a comparative fault system to determine liability in accidents. Under this system, fault is assigned on a percentage basis, and it’s upon that basis that compensation is awarded. Simply put, the more liable you are, the less compensation you will receive.
Requirements for Insurance
The state of Georgia does have mandated minimum insurance requirements. As of 2022, all drivers are required to have liability insurance covering minimum limits of $25,000 per person, $50,000 per incident, and $25,000 for property damage.
Policies to Protect Against Uninsured/Underinsured Motorists
Despite laws mandating drivers to be insured, Georgia roadways are full of uninsured and underinsured drivers. Should you be impacted by one of these drivers, they may not have adequate insurance to cover damages. As a result, it’s recommended that you contact your insurance company and buy uninsured/underinsured coverage.
Georgia Statute of Limitations
In Georgia, the statute of limitations for filing a personal injury lawsuit is two years. If you miss this deadline, you may lose your chance to recover compensation. Filing your legal claims promptly is the best course of action.
This is how a Georgia personal injury attorney can help. They have seen and heard it all. If you want to explore what legal options may be available to you regarding George’s accident laws and insurance claims, contact an attorney today and arrange a free consultation.
MedPay and PIP Coverage
Georgia allows optional coverage known as MedPay (Medical Payments) and PIP (Personal Injury Protection). One covers medical expenses for you and your passengers; MedPay. The other, PIP, provides broader coverage for things like medical bills, lost income, and other related expenses. Contact your insurer to learn more about these coverage options.
Insurance Premiums
In Georgia, your insurance premiums are directly impacted by the comparative fault system. If you are in an accident and are found to be liable in some capacity, you can expect your insurance premiums to rise accordingly.
The Impact of Legal Representation
Having legal representation in the event of a car accident and Georgia can significantly influence the outcome of your insurance claim. By selecting the correct attorney, your rights will be protected during the claims process, and your compensation is less likely to be compromised.
