How Does Car Insurance Work After an Atlanta Accident?
Quick Answer
Georgia follows at-fault insurance rules. File with your insurance first for immediate coverage, then pursue the at-fault driver’s coverage for full compensation.
Understanding how car insurance works after an Atlanta accident is crucial for protecting your financial interests and ensuring proper compensation.
Georgia’s At-Fault Insurance System
Georgia operates under an at-fault (tort) insurance system, meaning the driver who caused the accident is responsible for damages. This system differs from no-fault states and affects how claims are processed.
Initial Steps After an Accident
- Report to your insurance company immediately (within 24-48 hours)
- File a police report if damages exceed $500
- Document the scene with photos and witness information
- Seek medical attention for any injuries
- Avoid admitting fault or discussing details with other parties
Your Insurance Coverage Options
Your own insurance may provide immediate coverage through:
- Medical Payments Coverage: Immediate medical bill payment regardless of fault
- Collision Coverage: Vehicle repair costs minus your deductible
- Uninsured Motorist Coverage: Protection when the at-fault driver lacks insurance
- Personal Injury Protection (PIP): Optional coverage for medical expenses and lost wages
Pursuing the At-Fault Driver’s Insurance
After initial coverage through your policy, pursue full compensation from the at-fault driver’s liability insurance:
- Property damage coverage for vehicle repairs
- Bodily injury coverage for medical expenses and lost wages
- Pain and suffering compensation
- Additional damages like rental car costs
Common Insurance Company Tactics
Be aware that insurance companies may:
- Delay claim processing to pressure quick settlements
- Dispute fault determination
- Minimize injury severity or treatment necessity
- Offer inadequate initial settlements
- Request recorded statements to find inconsistencies
When Legal Representation Helps
Consider hiring an Atlanta car accident attorney when:
- The insurance company denies or undervalues your claim
- You’ve suffered significant injuries requiring ongoing treatment
- Fault determination is disputed
- Multiple parties are involved
- The other driver is uninsured or underinsured
Related Questions
- How much does a car accident lawyer cost?
- How long do I have to file a claim?
- What if I was partially at fault?
Get Personalized Legal Advice
Every case is unique. Get specific answers about your situation from Attorney Ronnie Mabra.
Get Free Consultation Call (678) 235-3870