If you were injured in a car accident in Georgia, you are probably wondering what kind of settlement to expect from the insurance company. There are a lot of factors that determine the value of your case. It is difficult to put a value on your case while you are still receiving medical treatment, as one of the biggest factors the insurance company considers when determining compensation is the amount of your medical bills and the serious nature of your injury.
Type of Medical Treatment
Extent of Your Injuries:
When you are still in the initial stages of your medical treatment, there is no way to know how much treatment you will need or what type of treatment you may need to heal your injuries. For instance, many people who are injured in a motor vehicle collision go to a chiropractor or physical therapist for a sore neck and back. If after a few weeks of treatment your pain isn’t getting better, your doctor may request diagnostic testing like an MRI to rule out problems more serious than just muscle strain and sprain.
The total amount of your medical bills will directly affect the settlement the insurance company is willing to offer. The at-fault party is responsible for not only your medical bills, but compensating you for your pain and suffering as well. However, the at-fault party does not have to pay for any and all medical care. The at-fault party only has to pay for what is considered reasonable and necessary. In other words, if you treat with a chiropractor for nine months and incur charges of thirty thousand dollars ($30,000.00), you can be fairly confident the at-fault party will consider this “over treating” and will likely not offer to pay for all of your bills.
If you are seriously injured and have to go through months of painful rehabilitation, you deserve adequate compensation for the pain and suffering you had to endure. That is not to say that broken bones or surgical procedures are the only things that indicate an accident victim deserves compensation for pain and suffering. Even muscle sprains that impact your daily activities and require frequent visits to the physical therapist or chiropractor can be miserable to deal with. But as a general rule, the insurance company will place more value for pain and suffering on more severe injuries.
Ultimately, the policy limits of the available insurance policies truly determine exactly how much compensation you likely can receive for an injury claim. Even if you have hundreds of thousands of dollars in medical bills, if the only insurance policy available to you is a single $25,000 minimum limits policy, that may be all that you can recover for your injuries. It should be understood that if the at-fault party has assets, there is an opportunity to seek additional money for recovery of your outstanding medical bills.
That is why it is so important to consult an attorney if you are seriously injured. An experienced lawyer will investigate to find all available insurance policies. If the driver of the vehicle that hit you is not the owner of the vehicle, for example, it may be possible to go after the driver’s policy as well. Not to mention the underinsured motorist coverage that you may carry on your own policy, which can provide compensation if your damages exceed the amount of liability insurance.
Since so many factors are involved in determining case value, it is important to consult with a knowledgeable Savnnah personal injury attorney who can weigh all the aspects of your case and determine the best way to proceed to maximize your claim. A good attorney will evaluate all the components of your case and make sure the best settlement is obtained for your situation.
Ty Wilson is an auto accident injury attorney in Savannah and car wreck injury lawyer in Atlanta. If you would like more information on purchasing automobile insurance in Georgia, be sure to download his FREE BOOK, The Consumer Awareness Guide to Buying Car Accident Insurance in Georgia.
If you have specific questions for an attorney, please give Ty a call at 1-866-937-5454.