Questions?

See some of our most frequently asked questions below.

Car Insurance

WHAT ARE MEDPAY & PIP?
Medical payments coverage and personal injury protection are optional no-fault coverages that can pay medical bills and offset lost wages. Thoughtful use and proper leverage of coverage can allow “double dipping”.
WHAT IS UM COVERAGE?
Uninsured or Underinsured Motorist Coverage can provide critical financial protection when there is serious injury or loss of life. Georgia’s minimum required insurance limits are set at a mere $25,000.
CAN I STACK LIABILITY COVERAGES?
When the at fault driver is not the owner of a vehicle involved in a collision or wreck, Georgia law allows for the possibility of multiple liability coverages. First to pay is the at fault vehicle owner’s liability policy, and this is usually true regardless of whether the owner was driving or even in the vehicle at the time of the incident. The law has exceptions, of course, for things such as rental cars and car dealerships, but generally the vehicle owner’s insurance is the first policy that will be required to pay for injuries, damages and financial loss.After the at fault vehicle owner’s primary liability policy has been exhausted or tendered (paid in full), any other liability policies that the vehicle owner has will then come into consideration. These policies must provide coverage to the at fault vehicle as opposed to another vehicle, but they also sometimes include “umbrella polices” that far exceed the standard liability coverage amounts on most vehicles. Umbrella policies are usually purchased by businesses or high net-worth individuals with significant personal assets to protect.Upon exhaustion of all vehicle owner insurance policies, the next coverages to be examined are those of the at fault driver. Although secondary, the at fault driver’s policy (or policies) can nonetheless be “stacked” on top of the aforementioned vehicle owner policies to create additional avenues of financial redress. Remember, however, access to additional insurance coverage is usually precluded if vehicle owner policies are not tendered.It is important to note that the stacking of liability policies may also involve multiple defendants with varying degrees of responsibility for the wreck. In scenarios involving multiple injured parties, negligent drivers or insurance policies an attorney should be consulted. Careful thought and planning are needed to achieve optimal results.

Liens Against My Case

ARE HOSPITAL LIENS ALLOWED?
Under Georgia law (O.C.G.A. 44-14-470) hospitals and doctors do have the right to file a medical lien against your personal injury case for accident related treatment. Quick action and knowledgeable negotiations may be the thing that prevents significant reduction of your injury compensation.
WHAT ARE LETTERS OF PROTECTION?
DO I REALLY HAVE TO REIMBURSE MY HEALTH INSURANCE CARRIER?

Medical Bills

ARE CERTIFIED RECORDS BETTER?
CAN I PROTECT MY CREDIT?
WHAT ARE TIMELY FILING DEADLINES AND WHY ARE THEY SO IMPORTANT?

Property Damage

WHAT IS DIMINISHED VALUE?
MONEY FOR PERSONAL EFFECTS?
HOW DO I GET FULL VALUE FOR MY PROPERTY DAMAGE LOSSES?

Ante Litems

WHAT ARE ANTE LITEMS?

Car Seats

WHAT ABOUT CAR SEATS?

Loss of Consortium

WHAT IS LOSS OF CONSORTIUM?

Loss of consortium claims must be brought within four years of the underlying injury. (O.C.G.A. 9-3-33).

Social Media

STOP USING SOCIAL MEDIA?

Statue of Limiations

WHAT ARE STATUTE OF LIMITATIONS?
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