This is a common question. It is unclear if you do not have an at-fault driver’s insurance company or not. If the accident was your fault, you will be responsible for all damages related to the collision.
If however you were hit by someone with no insurance or very little insurance and your damages exceed the at-fault carrier’s coverage, then you may have what is called an underinsured/uninsured motorist claim against your insurance for the remainder above the at-fault driver’s coverage.
This matters are specific to your insurance policy so you should take a copy of your policy to an Georgia auto accident attorney so they can review the policy and let you know what coverages you have available to you at the time of your Georgia car wreck claim.
If you have coverage and your insurance company is just refusing to pay, you may have to file a lawsuit. Unfortunately the common thought is everyone is running to court to sue, the reality is the insurance companies are not being fair and are pushing some cases to trial because of their refusal to be fair.
You may have to file a lawsuit. If you do you should contact a Georgia car accident attorney immediately so you will know what is involved with process.
Ty Wilson is a personal injury attorney in Georgia and is dedicated to helping injured people and their families. Call his office today at 912-508-4711 in Savannah or 770-948-5454 to order his free book, 10 Secrets of Georgia Car Wreck Claims. This book is intended to give you and/or your loved one a solid foundation regarding Georgia auto accident claims, how to hire an attorney, and how to deal with the insurance company prior to speaking with an attorney.