How you file an insurance claim after a car crash in Duluth depends on who was at fault for the accident and what kind of insurance you have. How you proceed after a car wreck should vary based on your unique situation. Regardless of the scenario, you should contact your own insurance company as soon as possible and inform them about the crash.
Your own insurance company can help with some of these steps. However, things can get more complicated if the other driver is at fault (or you believe they should be held liable) but their insurance company is refusing to pay you a fair amount. At that point, it may be in your best interest to speak with a personal injury lawyer.
The only auto insurance required by law in Georgia is liability insurance. Specifically, all drivers are legally required to carry 25/50/25 insurance ($25,000 per person / $50,000 per accident bodily injury liability and $25,000 property damage liability per accident).
What does that mean? If you cause an accident, your insurance will pay the other driver and their passengers up to those policy limits for injuries and property damage you cause. If all you have is liability insurance and you cause an accident, you would receive no money and would have to pay out of pocket to replace your own car or get it repaired.
Drivers in Georgia can carry much more than just that minimum liability insurance coverage. They can also get comprehensive coverage, collision coverage and uninsured/underinsured motorist coverage. These policy addons can ensure you don’t have to pay out of pocket even if you were at fault for a crash or the other driver is uninsured.
People involved in car crashes can file claims with their own insurance and the other driver’s insurance to get money for medical bills, lost wages and car repairs. Which insurance company pays and how much they pay depends on who was at fault, the type of coverage each driver has and their policy limits.
Before you file a claim for a car crash, you will need information relevant to the accident. The insurance company needs to know which vehicle was in the accident, who was driving, where the accident occurred and when.
You will need to describe the crash and the extent of the damage. The insurance company claims adjuster may also want to see photo evidence of the damage.
You will also need the names and contact details of other drivers involved in the accident. It’s also a good idea to get the names and contact information of any witnesses.
If no one was injured in your car accident you do not need to speak with a personal injury lawyer. Personal injury attorneys usually only assist people who were injured. If you were injured and the insurance company is challenging your version of events, denying your claim or is trying to convince you to accept less than what you need to cover your lost wages and medical bills, it may be in your best interest to call a lawyer.
Personal injury attorney Joseph Zdrilich has extensive experience representing people in car accident injury claim negotiations. You can speak to him about your options during a free consultation by calling (770) 931-9604.
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Zdrilich Injury Law is committed to helping injured Georgians receive the money they need to recover physically and financially after an accident.
Zdrilich Injury Law, LLC providers one-on-one representation to car accident, truck accident and workers’ compensation clients in Georgia.
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Pooler, GA 31322
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