Factors that Affect Your Claim
The many different elements of your Georgia injury claim can greatly influence its success or failure. Here are several different things that can determine the outcome of your claim.
1) What kind of collision were you involved in?
Were you rear-ended? Struck head-on? Side-swiped in a parking lot? Believe it or not, the type of collision you were involved in and factors such as the location of the incident and the speed of the cars involved can greatly affect your injury claim.
If you were bumped at a low speed in a parking lot and your car is barely damaged, an insurance company is not going to think you were badly hurt. On the other hand, if someone slams into you at a high rate of speed on the highway, it is more likely that serious injuries were sustained in that kind of accident.
2) What kind of medical treatment did you receive?
Did you ride an ambulance to the hospital? Have you been receiving physical therapy? Did you break any bones, or have to undergo surgery? All of these things affect your claim. Since an injury claim covers medical bills and lost wages as well as pain and suffering, the type of injuries you have and the kind of treatment you undergo are going to determine what kind of settlement you can receive. Generally, the more serious the injury, the more value the insurance company will associate for pain and suffering.
3) How much insurance is available?
If you are hit by a driver who only has the state minimum limits of $25,000 and there is no other insurance available, that is all of the money you can collect, even if you have hundreds of thousands of dollars in medical bills – unless the at-fault driver has assets you can seek to obtain. The available insurance policies ultimately determine the value of your claim, as you can only collect the amount of money that is available. That is why carrying Uninsured/Underinsured Motorist coverage on your own policy is so important.
Ty Wilson is an Savannah car accident injury lawyer who has written several FREE books to help you navigate your Georgia injury claim. Visit tywilsonlaw.com to download or order them today. Also check out his many articles and videos to get the knowledge you need BEFORE speaking to the insurance adjuster or even hiring an attorney. You’ll be glad you did!
Be informed. Be aware. Be prepared.