If you've suffered serious injuries or lost a loved one, an Atlanta injury lawyer can help answer your questions on how to win your personal injury claim in a Georgia personal injury court!
At S. Burke Law we are here to help give answers to these important questions. Our Frequently Asked Question database covers the common questions you may have regarding what to do after a serious accident, how to file a claim in personal injury court, and tips on how to win your personal injury claim. When researching information on the legal process following a serious accident you want legitimate advice from a source you can trust.
When you’ve suffered serious losses and damages from an accident due to the negligence of another you aren’t alone. An Atlanta injury lawyer from our office is always available to answer additional questions not addressed on our page. Contact us for a FREE consultation and get the answers you need to seek compensation for your losses!
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Can I File a Personal Injury Claim If I Was at Fault?
You can file a personal injury claim even if you contributed to the accident, as long as you were not 50 percent or more at fault under Georgia comparative negligence laws.
So, proving the defendant is liable for your accident and presenting evidence that you are not at fault or that minimizes your percentage of fault is vital to the success of your case.
If you need help after an accident that caused you serious injury, call S. Burke Law at 404-842-7838 for a free consultation.
How Your Fault Affects Your Recovery in a Personal Injury Accident
As long as your fault amounts to less than 50 percent, you can recover under Georgia law, although your fault reduces your recovery by the percentage of your fault.
For example, if your fault amounts to 10 percent, you can recover 90 percent of your damages.
Comparative negligence, the severity of your injury, and the strength of your case all factor into your recovery. Talk with attorney Sheryl L. Burke about your case. Get a free consultation by calling 404-842-7838.
Proving Fault for a Personal Injury Accident
Your case must clearly establish that the defendant is liable for your accident. This involves four elements:
- Defendant owed the plaintiff a duty of care.
- Defendant acted negligently.
- Defendant’s negligence caused the plaintiff’s injuries.
- Plaintiff suffered damages.
How to Prove a Party Was at Fault for Your Accident
The manner you may prove the defendant’s fault and liability varies depending on the types of case. For example:
- You can prove negligence in a car accident by proving a driver was texting at the time of the accident.
- You can prove liability in a slip and fall case by showing the property owner knew or should have known of a hazard and failed to take action.
- You can prove negligence in a motorcycle accident by establishing that another driver failed to yield to you and struck your motorcycle.
Gathering Evidence to Support Your Case & Fight Allegations of Partial Fault
If the defendant tries to blame you for the accident or argue that you are partially to blame, your case should present evidence to fight those allegations and clearly establish the defendant’s fault.
Some types of evidence that may be important to prove fault for your accident include:
A lawyer at S. Burke Law can help you gather any available video surveillance, such as:
- Cell phone video
- Security camera footage
- Dashboard video
- Which party caused the accident
- Citations issued to the defendant
- Description of how the accident happened
Photographs of the accident scene, vehicles involved (in the case of a car accident), and your injuries may help support your case and prove liability. A photograph may help demonstrate:
- What caused your fall (for a slip and fall case)
- Extent of damage to your vehicle
- Severity of your injury
Medical records can help connect your injuries to the accident and establish the value of your case. They may also be helpful in fighting allegations that your injuries are preexisting and unrelated to the accident.
Statements From Eyewitnesses
Your lawyer can interview eyewitnesses about how the accident happened and who caused it. Save any contact information from eyewitnesses and share them with your lawyer at S. Burke Law.
Expert Witness Testimony
Expert witnesses – e.g., accident reconstruction experts, doctors, engineers, vocational experts, etc. – can testify about how the accident happened and who is at fault. Your lawyer at S. Burke Law can secure testimony from expert witnesses who can help support your case.
Get Help at S. Burke Law to Build and Support Your Case
If your percentage of fault is 50 percent or greater, you cannot recover compensation. If your percentage of fault is less than 50 percent, you can recover compensation, but it is reduced by your percentage of fault.
So, if you are filing a personal injury case, you must present a well-supported case that proves the defendant’s liability.
The more evidence in support of your personal injury claim, the better off your case may be. Act now before evidence disappears and to ensure you meet Georgia’s statute of limitations.
If you suffer injuries in a personal injury accident, contact S. Burke Law at 404-842-7838 for a free consultation.
Does Health Insurance Cover Accidents?
Your health insurance may cover accidents. If your health insurance policy helps you cover your medical bills after an accident, your health insurance company may seek compensation for the medical expenses it covered for you.
If you or someone you care about was involved in an accident recently, we encourage you to call S. Burke Law. Our legal team will pore over every detail of your case to help you collect the compensation you need. Our team prides itself on serving Atlanta’s citizens and dedicate ourselves to putting the strongest case together on your behalf. Call us at 404-842-7838 for your free consultation.
Auto Insurance Policies Typically Pay First
Georgia requires motorists to carry certain minimum coverages on their auto policies. These policies cover any injuries and damage drivers cause in accidents.
However, insurance companies also offer various types of optional insurance that cover the policyholder. One that can be very helpful after a car accident is medical payments, or MedPay, coverage. Insurers often offer this coverage at $1,000 to $50,000 per policy.
Filing a Claim Against the Other Driver
A more common option is to file a claim against the other driver in the accident if they caused or contributed to the collision. This will allow you to recover compensation for your medical expenses without ever going through your insurance company.
Note: If you had your health insurance cover your medical care until you received your settlement from the other driver, your health insurance may attempt to recover those expenses from the car insurance company. This process is called subrogation.
Subrogation After Your Accident
Subrogation is basically a legal right allowing one entity to sue for payments they made on behalf of someone else. It is a legal term you generally do not hear very often. The reason you hear about it so rarely is that subrogation typically happens at the end of the claims process. And the process involves the insurance companies almost entirely without involving the insured person much.
Your insurance company is required, however, to inform you that it is beginning the subrogation process.
Two Examples of Subrogation After an Accident
You suffered serious injuries in a motorcycle accident. You did not have MedPay coverage and could not wait until you received a settlement to pay your medical bills. Your health insurance company covers $10,000 in medical expenses.
Example 1: Once you have determined the other party is liable, the health insurance company will sue the other driver’s auto insurance company for those $10,000 in medical expenses.
Example 2: You determined the other party was liable for your injuries. You file a claim for $50,000, including $10,000 for medical expenses. Because you filed for those medical expenses your health insurance company already paid, it will take $10,000 from your settlement.
What You Can Recover
If your health insurance company covered your medical expenses, you cannot recover compensation for those same medical expenses. However, if you needed to pay deductibles or co-pays, you can receive reimbursement for that.
You can also recover compensation for any medical expenses your health insurance company did not pay.
How to Pay Medical Bills Without Using Health Insurance While Waiting for Your Settlement
In some cases, you do not need to depend on your health insurance to pay medical bills. We can discuss your case with your doctors and other medical providers to let them know they will receive payment as soon as you win your case. This can keep your doctor’s office off your back and allow you to continue getting the care you need.
If the doctor refuses to wait on payment, we can discuss the possibility of a payment plan. You can pay a small amount of your debt each month until you win your case. You can also add those payment amounts to your settlement demand.
Call an Atlanta Personal Injury Attorney
Covering expenses is one of the primary concerns for anyone following an accident. The answers do not always seem clear and knowing where to even look for the answers is difficult, too. But this is where an auto accident lawyer at S. Burke Law can help you. Our team of legal professionals examines every detail of your accident. And we can lay out exactly what your options are as you seek the compensation you require.
We can also help you through any complications that accompany your health insurance company covering your medical bills. Feel free to reach out to an injury lawyer at 404-842-7838 to learn more about how we can help you.
Are Car Accident Settlements Public Record?
Like other personal injury settlements, car accident settlements are not public record. However, this only applies when you settle out of court.
In-Court Awards Are Public Record
If you do go to court, the result will be public record. The only instance in which your car accident verdict will not be public record is if the judge seals the records of your case. However, this is unlikely in personal injury cases.
Because many personal injury claims do not go to court, your car accident claim will most likely not be public record.
Benefits of Settling Car Accidents Out of Court
Above and beyond keeping your case private, settling out of court is often the best course of action for your car accident claim for a variety of reasons. This is particularly true if the other driver is clearly at fault and the insurance company agrees to meet your or your lawyer’s demands.
Typical benefits of settling out of court include the following:
Trials Are Often Quite Long
Personal injury trials can take several months or even years to complete. And that is not considering the possibility that there may be an appeal. Settling out of court often ends the matter quickly and allows you to collect compensation faster.
You Will Be Responsible for Court Fees And Any Additional Fees
If your personal injury claim goes to court, you will also be responsible for paying court fees. This cost would come out of your compensation package when the trial concludes.
In addition to court fees, settling out of court saves in other ways. While you will need to pay attorney’s fees regardless of whether you settle or go to court, the attorney’s fees may be more if you need to go to trial. There may also be travel involved as well as the cost of bringing expert witnesses to strengthen your case.
Depending on the size of the award you receive, this may be a hefty chunk of the money you have been waiting for.
The Benefit of Settling Out Of Court For Defendants
You are not the only person who potentially benefits from settling out of court. Defendants stand to benefit from settlements as well. The primary reason for this is that a trial is often quite expensive. If a defendant must go to court and then loses their case, they will need to pay for your accident damages and attorney’s fees. In some cases, they need to pay your attorney’s fees as well.
And depending on the case, the judge or jury may award much more than the defendant was planning on settling for.
Benefits of Taking a Car Accident Case to Court
While settling out of court is more common, it is not always the best course of action. If you and your attorney trust that you have a very strong case, you may be willing to incur the additional costs of a trial in hopes of collecting as much of a compensation package possible.
The primary reasons you might want to go to court include:
The Defendant Undervalues Your Damages
In many instances, the defendant may admit fault but significantly undervalue your damages. This results in an offer much smaller than you deserve. If the defendant refuses to negotiate with you, a lawsuit may be your best course of action.
Seeking Additional Damages
If your car accident was particularly serious, you may be able to seek damages above and beyond medical expenses and lost wages. While a settlement offer may include damages for pain and suffering and other noneconomic damages, it might not be all that you deserve. If you and your attorney can build a strong case showing how your accident affected you physically and emotionally, you may have a convincing case for additional damages.
Call an Atlanta Car Accident Attorney
When you work with a car accident attorney for your car accident claim, they will discuss all the advantages and disadvantages of settling a claim or taking your case to trial.
While we try to settle out of court as this is often the best option for you, we will not hesitate to take your case to court. We prepare your case for court from day one to ensure that we are ready to switch gears immediately if necessary.
If you or a loved one recently suffered injuries in a car accident, reach out to an injury attorney at S. Burke Law. We will walk you through the details in hopes of getting the best settlement possible. Call us at 404-842-7838.
Who Is Liable for a Bus Accident?
Determining who is liable for a bus accident depends on the circumstances which led to the accident.
The process of filing a traffic accident claim feels daunting even under normal circumstances, let alone when a large bus is involved. If you or someone you care about was involved in a bus accident, call S. Burke Law: 404-842-7838.
Common Causes of Bus Accidents
Like other motor vehicle accidents, liability hinges on determining which party caused the accident. Accidents occur for a variety of reasons and bus accidents are no exception. The following are among the common causes of bus accidents:
- Distracted driving
- Bus driver error
- Driving under the influence
- Poor driver training
- Poorly maintained buses
- Violation of bus regulations
As you can see above, bus accidents happen for a variety of reasons. And those reasons directly influence who is liable in an accident. For example, if the bus driver in your accident did not have the proper licenses to operate the vehicle, then it is likely the bus driver, or whomever he or she works for, will be liable.
Conversely, if a passenger car driver was speeding, runs a red light, and rams into a bus attempting to make a turn, then the passenger car driver would be at fault.
Buses are common carriers. The term common carrier refers to vehicles that transport people or goods. In this category are tour buses, school buses, and any other type of commercial bus.
Because common carriers transport goods and people, they must exercise a higher degree of care. Thus, they often have lower thresholds for liability. So, if a bus driver is at fault in an accident, this factors heavily into who is responsible for your variety of damages.
Differences Between Commercial Buses and Public Buses
Some buses are public buses, such as school buses and commuter buses. Others are private buses transporting passengers and goods for a variety of reasons.
For example, if you get into an accident with a school bus, there are a variety of people and entities who may be liable in your accident. Those people and entities may include:
- School bus driver’s employer: The school bus driver’s employer may be liable for the driver’s negligence.
- The bus manufacturer: If the bus was defective in any way that contributed to the accident.
- Third-party contractors: If any contractors were responsible for supplying parts or hiring bus drivers.
Similarly, if your accident occurred on a tour bus, there are a few entities which may be liable. Those entities include:
- The owner: Whoever owns the bus is responsible for maintaining a safe fleet of vehicles. They are also responsible for ensuring their drivers are qualified to operate their vehicles.
- The tour company: Tour companies may be liable if they did not appropriately evaluate the bus companies they choose as a business partner. For example, if you can demonstrate that bus company’s owners had several safety violations, the tour company may be liable as well for an accident.
Call an Attorney at S. Burke Law Today
Being aware of the causes of your accident and who may be liable is crucial in eventually collecting compensation for damages in a settlement. But it is often difficult to determine who is responsible for your injuries. We can help you fight for compensation.Our team thoroughly investigates the circumstances of your accident to determine which parties might be liable for your damages. Call us at 404-842-7838 to learn more about how we can help you.
What Happens If You Crash a Leased Vehicle?
The process of handling things when you crash a leased vehicle a bit different from when you own or finance a car. Typically, you want to take the following three steps when involved in a car accident with a leased vehicle.
- Call your insurance company.
- Notify the dealer or leasing company.
- Document damage and get an estimate on repair costs.
Call Your Insurance Company
Like any other car accident, calling your insurance company is your first step. Report the accident to the insurer, but do not agree to a recorded statement until you speak with S. Burke Law.
The State of Georgia mandates minimum car insurance coverage. However, leasing a car is a bit different than owning one outright. Leasing companies may require you to carry certain types of insurance beyond the minimum to protect their property in the event of an accident. The leasing company may require you carry collision and comprehensive coverage, for example.
Depending on the type of insurance you have, your deductible determines how much you can receive to repair your vehicle. For example, let us say your car sustained $2,000 worth of damage, and your collision coverage deductible is $300. Your car insurance company will pay the remainder of $1,700 to repair the vehicle.
Notify the Dealer or Leasing Company
Though you’re driving the car every day, you are required to notify whoever you lease from because they own the vehicle.
Even if you are financing your car, you would call your insurance company to notify them that you were in an accident. The insurance company would either send over an adjuster, or you would provide them with an estimate from a body shop.
But in leased vehicle accidents, the leasing company may specify certain requirements to fix the vehicle. In some cases, car dealers will require that the repair be made using the manufacturer’s parts, not secondary parts.
Check with the leasing company or car dealer before you make any repairs, as failing to comply with their requirements could leave you on the hook for penalties for violating the terms of the lease.
Document Damage and Obtain an Estimate on Repair Costs
Once you call your insurance and leasing company, you are ready to document the damage and learn how much repairs cost. In most cases, this is a straightforward process similar to when you repair a vehicle you own outright.
The insurer may deal directly with the party performing the repair, such as the car dealer itself, and provide reimbursement for the repairs directly to the repair company.
Gap Insurance When Your Lease is a Total Loss
Insurance companies may consider a vehicle a total loss if the repair costs exceed a certain percentage of the vehicle’s value. You might find yourself in a precarious situation if there is a gap between the value of the totaled vehicle and what you owe on the lease.
Most leasing companies require you to carry gap insurance as part of the terms of the lease. Gap insurance covers the difference between what the insurance company is willing to pay for a totaled vehicle and the remaining balance on the lease.
Call an Atlanta Attorney Today if You Crash a Leased Vehicle
If you or someone you care about was involved in a car accident with a leased vehicle, we encourage you to speak with a personal injury attorney.
Call S. Burke Law today for legal guidance. Our team can walk you through what to expect with a free consultation. Call us at 404-842-7838 today to schedule your free case review.
What Information Is on a Police Report?
The information on a police report varies depending on the accident, where your accident occurred, who was at fault, and who witnessed your accident. The one constant which holds no matter what is that Georgia motorists must call the police and file a police report after an accident with injuries, death, or significant property damage. Failing to report an accident to the police could result in criminal charges filed against you.
Standard Information Contained in Police Reports
While the specifics of a police report vary, there are a few common things contained within them. If you ever request a copy of a police report, you can expect to find a list of the following items on your police report:
- Drivers and vehicles involved in the accident
- Names of passengers and witnesses
- Date, time, and location of the accident
- Accident report
- Statements from witnesses
Drivers and Vehicles Involved in the Accident
The name, address, and driver’s license number of the parties involved in the accident are among the most important bits of information on a police report. The driver’s name and address, as well as date of birth, will be visible on the driver’s license. In addition to their vital information, driver’s licenses commonly contain information regarding any physical impairments (vision for example). This could be helpful in a personal injury claim if one of the drivers was not wearing corrective eyewear.
In addition, your police report should list the make, model, and license plate number of both vehicles. Again, this information could prove to be helpful if you file a personal injury claim.
Names of Passengers and Witnesses
A police report should include the names and contact information for passengers and witnesses as well. This is particularly important because passengers and witnesses often provide better accounts of the situation and circumstances of the accidents than the drivers.
Date, Time, and Location of the Accident
Knowing the setting of the accident provides context into some of the circumstances of the accident. For example, did the accident occur late in the evening at a busy intersection? Was it a rainy day at rush hour? All these details may not seem wholly important but can influence the outcome.
Summary of the Accident
Once the police officer has spoken to the drivers involved in an accident, he will gather all the information and write a summary of the accident. The more detailed the report is, the better. Whether the accident is something as simple as a fender bender or a more severe one, every detail counts.
In some cases, you may have to give testimony. In this case, it is not only important to remember what happened leading up to the accident, but also be able to explain what happened clearly.
Statements From Witnesses
As we mentioned above, testimonies from witnesses and passengers are sometimes more reliable than from the drivers. That makes collecting statements from anyone who was in the car or who witnessed the accident very important. A witness statement which conflicts with the other driver but lines up with your account is a very powerful testimony and would be very beneficial to a personal injury claim.
Police Reports Can Help Your Personal Injury Case
While the specific details in a police report vary from case to case, there are some basic details which appear on every standard police report. That information often proves to be very helpful if you decide to file a personal injury claim. Police reports help prove that someone violated traffic laws in your accident.
If you are considering filing a personal injury claim, we encourage you to call S. Burke Law. Our compassionate team has spent the last 20 years serving personal injury victims in Atlanta. In many of those cases, the details listed on police reports provided vital information which helped us collect a settlement.
Call an Atlanta Personal Injury Attorney
Many people do not realize how important police reports are to their personal injury claims. A detailed police report can make collecting damages after an accident relatively easy. But a thin report could make it quite difficult. That makes reviewing police reports very important for Atlanta car accident victims.If you were involved in a car accident recently and would like help looking over your accident report, or anything else, feel free to call S. Burke Law. Our consultations come at no cost, so we encourage you to gather the information you need. And if you do decide to file a personal injury claim, you can rest assured we will do everything within our power to effectively represent you. Call us at 404-842-7838.
Who Is At Fault for an Accident in a Parking Lot?
Like accidents on highways and roads, determining who is at fault for an accident in a parking lot is not always a simple matter. However, in any case, the party or parties that breached their duty of care will be at-fault for a parking lot accident.
Determining Fault and Liability in Atlanta Parking Lot Accidents
Like all personal injury claims, collecting a settlement depends on your ability to prove another party’s fault and liability in your accident. But to determine fault, we must first understand how to prove fault and liability.
Determining fault for an accident in a parking lot requires proving four elements. Those elements are:
· Duty of care
Duty of Care
Every driver has certain responsibilities and expectations when they take the road. The expectation of how another driver or party will act is duty of care.
Essentially, Georgia defines the duty of care as the expected reasonable actions drivers must take when navigating roads, intersections, and parking lots. The following are actions in a parking lot which would constitute reasonable care:
· Driving at a reasonable speed. Many parking lots post speed limits ranging from 10
to 15 miles per hour. However, even if there is not a posted speed limit, you should
not exceed reasonable speeds.
· Not driving recklessly.
· Not driving while intoxicated.
· Following the parking lot’s posted traffic rules. Many parking lots have one-way streets, stop signs, left or right turn only lanes, and more.
· Watching for any oncoming vehicles as you back out of parking spaces. The driver
pulling out of parking spaces must yield for oncoming vehicles.
Breach of Duty of Care
If the other party failed to fulfill its duties, then you might be able to prove negligence. For example, let us say you were driving in a parking lot with no stop sign in your path. However, a vehicle to your right did have a stop sign but ran it. If you collided with that vehicle, the driver would be at fault for the collision.
The other driver’s negligent behavior caused the accident and your injuries. Continuing our example from above: the driver ran a stop sign and T-boned your car. The impact caused you to suffer broken ribs.
You must have suffered damages in the accident. If you were involved in a parking lot accident but did not suffer emotional, physical, or financial harm, you do not have a case. Common damages include:
· Medical expenses
· Lost wages
· Pain and suffering
The S. Burke Law team can help you prove negligence as well as establish the damages you suffered.
Instances When Third Parties are At Fault in Parking Lot Accidents
While this does not happen very often, there are instances when neither party involved is at fault for the accident. This usually happens when there are conditions present at the site of the accident impairing the vision or judgments of the drivers.
For example, if there is excessive debris or damage (e.g., potholes) in a parking lot, this could contribute to your car accident. In this case, the property owner would not be fulfilling their duty of care. They might be negligent if they were aware of the unsafe conditions.
The designer/architect of the parking lot could also be at-fault for a collision if the design contributed to the accident occurring. For example, the designer created an intersection in the parking lot but did not place stop signs at the entrance to the intersection. If the lack of a stop sign is determined to be the cause of the collision, the designer may share fault.
Recovering Compensation If You Contributed to the Accident
Shared fault is common in all types of car accidents. You may still be entitled to compensation, even if you contributed to the collision. However, you must be 49 percent or less for the accident to recover compensation, per Georgia’s comparative negligence law.
Call an Atlanta Parking Accident Attorney
We expect entering and exiting parking lots to be the safest part of our outings. Unfortunately, that is not always the case. If you or someone you love was involved in a parking lot accident, we encourage you to call S. Burke Law. Our team has spent the last 20 years serving Atlanta residents such as yourself in personal injury cases. In that time, we have collected millions on behalf of our clients.
If you are curious how S. Burke Law can help you, reach us at 404-842-7838 for a free consultation. We will guide you through your options at no cost to you.
Can I Sue if I Was Hit By a Car While Walking in a Parking Lot?
Yes, you can sue if a car hits you while walking in a parking lot, but it depends on how your accident occurred and who is responsible for the accident.
Parking lot accidents are more common than you likely realize. If you or someone you care about was involved in a pedestrian accident recently, we encourage you to call S. Burke Law for a consultation. Our consultations are always free, so there is no commitment. Call us at 404-842-7838.
Damages Parking Lot Victims Can Collect
Pedestrian accidents in parking lots can result in severe, if not catastrophic injuries. These injuries range from bruises and scrapes to paralysis and even death.
Many of these injuries leave victims wondering how they will make ends meet while they recover. If another party was at fault for your parking lot collision, you can recover damages from that party. While no two pedestrian parking lot accidents are identical, there are a handful of damages you can expect S. Burke Law to seek on your behalf if we work with you. Recoverable damages include the following:
- Medical expenses: Medical expenses encompass everything from ambulance trips, overnight stays at the hospital, medication, therapy sessions, and more. You are also entitled to compensation for long-term medical expenses like in-home care and wheelchairs.
- Lost wages: Pedestrian parking lot injuries can result in serious injuries, and many victims miss a lot of time at work. Lost wage damages encompass time missed at work for various reasons. Whether your injuries left you unable to work, or you missed time because you had specialist or therapy appointments, S. Burke Law seeks these damages on your behalf.
- Lost earning capacity: In more severe cases, your injuries may require you to stop working or change careers. S. Burke Law seeks lost earning potential damages in those cases as well.
- Pain and suffering: You can also recover compensation for any physical or emotional pain and suffering you endured.
How Negligence Causes Pedestrian Parking Lot Accidents
Most of us consider parking lots relatively safe places. But the accidents occurring in parking lots can be severe. Pedestrian parking lot accidents occur for a variety of reasons, but often result from one or more negligent actions:
- Distracted driving: Distracted driving represents a significant portion of pedestrian parking lot accidents. Drivers often use parking lots as an opportunity to fiddle with the radio, send text messages, take calls, and more.
- Pushing the wrong pedal: Pushing the gas and brake pedals are so intuitive drivers do it without thinking. But, occasionally, drivers hit the gas instead of the brake and cause a serious accident.
- Speeding: Most parking lots do not have posted speed limits. Occasionally, drivers consider this an opportunity to zip around the lot looking for a space.
- Focusing on looking for a parking space: Pedestrian parking lot accidents occur frequently in full or nearly full parking lots. The reason is many drivers often focus more on finding a parking space than their surroundings, which often includes pedestrians.
- Drivers not checking before backing out: Pulling out of spaces frequently causes car accidents. Many drivers do not look closely before pulling out of their spaces.
Recovering Compensation If You Contributed to the Accident
Fault in a pedestrian accident is rarely cut-and-dried. If you contributed to the accident, you may still be eligible to recover compensation. However, it is important to note that you must be less at-fault than the other party, per Georgia’s comparative negligence laws.
For example, say you were walking through a parking lot when a vehicle quickly backed out of a parking space and hit you. An investigation found the driver 75 percent at-fault. You were 25 percent at-fault because you were listening to music with your headphones.
The driver would be responsible for 75 percent of your damages (e.g., if you requested $10,000, he would owe you $7,500).
Call an Atlanta Pedestrian Parking Lot Accident Attorney
Every accident comes with its own set of concerns. Parking lot accidents amplify these concerns. Taking a direct hit from a vehicle while in your own car causes serious enough injuries. Being hit by a car, even at low speeds, while walking is that much more catastrophic and has a potential for even worse injuries.
If injured in an Atlanta pedestrian car accident, we encourage you to call S. Burke Law. Our team prides itself on representing Atlanta residents. Call us now at 404-842-7838. Our consultations are always free.
What Are The Different Types of Car Insurance?
There are several different types of car insurance, all of which protect drivers in various ways. How they protect you depends on whether they pay for injuries or damage you caused or suffered.
Below, we discuss the different types of car insurance and what they cover.
Like most states, Georgia requires drivers to carry liability insurance. Motorists cannot register their vehicles without it. A liability policy covers any damage you cause in a car accident. There are two types of liability coverage you must carry on your policy to drive your car:
Bodily Injury Liability
Bodily injury liability covers the medical expenses we mentioned earlier. In Georgia, your bodily injury liability coverage must meet these minimums:
- $25,000 per person
- $50,000 per accident
Property Damage Liability
Property damage liability covers damage to vehicles involved in an accident. The minimum property damage liability Georgia drivers must carry is $25,000 per accident.
Unlike liability coverage, collision coverage protects your vehicle in an accident.
Your collision coverage becomes available to use in the following scenarios:
- If you are involved in a collision with another car;
- If you crash into an object such as a pole;
- If your car flips over.
In cases where your car is totaled, collision coverage pays for the total current value of the car.
To use your collision coverage, you typically must pay a deductible. How much you must pay depends on your policy, but most deductibles are typically between $100 and $2,000.
An optional insurance coverage that falls under the collision coverage window is GAP coverage. This insurance will pay the difference between what your car is worth and what you owe on a loan or lease if the insurer deems it a total loss. For example, say the insurance company determined your vehicle was worth $6,000 but you have $9,000 left on your lease. GAP coverage would pay that $3000 difference.
Comprehensive coverage is another optional policy. It comes in handy when facing an unexpected accident or event. Comprehensive does not cover any damage you suffer from a vehicle accident. Instead it covers the following:
- Vandalism and riots
- Fire and explosions
- Glass and windshield damage (the size of the cracks in your windshield may play a factor in how this is covered)
- Fallen trees, limbs, and other objects
- Natural disasters such as storms, earthquakes, hail, floods, and lightning (also known as “acts of God” in many policies)
- Collisions with animals, such as a deer in the road (Allstate notes that comprehensive coverage will not apply if you hit another vehicle or object swerving to avoid an animal. If this is the case, you must use your collision coverage.)
Uninsured/Underinsured Motorist Protection
While Georgia requires all drivers to carry a minimum amount of liability coverage, this is not always the case. If a driver was uninsured or did not carry enough to cover your injuries, you can use your uninsured or underinsured motorist protection.
Uninsured/underinsured motorist protection alleviates a lot of the burden involved with these situations. Uninsured/underinsured motorist protection is optional; however, insurance companies must offer it and you must decline it in writing. So, it is possible you have this coverage and do not realize it.
Uninsured/underinsured motorist protection will also cover you if you were struck by a driver who fled the scene. In some cases, your uninsured motorist protection coverage may pay for injuries you suffered as a pedestrian or cyclist.
Both injury and property damage coverage are available.
Medical Payments Coverage
Medical payments coverage, or MedPay, covers your medical expenses after an accident. MedPay covers medical expenses and funeral expenses regardless of fault. In addition, medical payments coverage typically covers the following as well:
- Passenger’s medical expenses in addition to your own
- Insured victims who were struck while cycling or walking
Rental Reimbursement Coverage
After an accident, you might find that you need to rent a car while yours is in the shop or until you buy a new one. Many insurers offer rental car reimbursement coverage. Many policies cover up to $30 a day for 30 days.
What Insurance Applies If Another Driver Was At-Fault for My Accident?
If another party was at-fault for your accident, you would file a claim with that driver’s liability policy. This applies to both injuries and property damage.
If you cannot wait to get your car repaired, you can file with your own collision coverage and request reimbursement from the other driver in your settlement. This also applies if you needed to rent a car after the accident.
Call an Atlanta Accident Attorney
Being knowledgeable about your policy can help you wade through some of the confusion after a crash. Unfortunately, these policies are often difficult for the average person to understand. But not Sheryl Burke. In fact, Sheryl worked at an insurance company before opening her practice. She knows how to decipher the complex language placed in policies and to determine what your policy truly covers.
Once we have determined what your policy covers, we can begin your insurance claim(s). If another party was at-fault, we will file with that driver’s insurance company and recover the compensation you deserve. And because Sheryl worked as an insurance adjuster, she knows the loopholes the insurance company might use to get out of paying you what you deserve. She will not stand for this and will fight for every dollar to which you are entitled.
Call S. Burke Law today to discuss your case with our team for free: 404-842-7838.
How much is my car accident settlement worth?
It is impossible to pinpoint a dollar amount for your car accident settlement without reviewing your case. Several factors will go into determining the value of your car accident settlement.
What Damages Will My Car Accident Settlement Include?
While every car accident settlement is different, most feature a combination of some or all of the following damages:
Current Medical Expenses
Medical costs associated with your car accident might include:
- Hospital stays
- Doctor appointments
- Physical therapy
- Prescription drugs
- Medical devices
- Disability modifications to your home
We examine your medical bills thoroughly to make sure we recover all costs in the settlement.
Future Medical Expenses
Did you know that after a car accident, the responsible party could be liable not only for your current medical expenses, but also for your future medical costs? This is a good example why it is unwise to take the insurance company's initial settlement offer. Though an initial offer might include all of your current medical bills, it is unlikely to account for any bills you may incur in the future. Our attorneys make sure the settlement covers any foreseeable medical care in the future.
If your recovery requires you to miss work, your settlement can and should include compensation to make up for your lost wages.
Reduced Earning Capacity
Similarly, if your injury decreases your ability to earn a living in the future, you are entitled to the difference between what you are able to earn and what you would have earned had the accident not occurred.
Pain and Suffering
You are entitled to damages for your pain and suffering, which accounts for the physical and emotional turmoil your accident causes. These are noneconomic damages, meaning there is no obvious dollar amount attached to them, so speak with S. Burke Law to review how we might calculate pain and suffering damages for your case.
Does It Affect My Settlement if I Was Partially at Fault?
When it comes to shared fault, Georgia is a modified comparative negligence state. You are not eligible to receive compensation if you are 50 percent at fault or more. Further, if the total damages are $10,000, and you were 20 percent at fault, then your damages would be reduced by 20 percent of the total, and you would receive $8,000.
Call 404-842-7838 for a Free Consultation
At S. Burke Law, our clients are like family to us. We fight to ensure you receive the full compensation you deserve. For a free consultation, call 404-842-7838 today.