The aftermath of a car accident in Atlanta can be challenging, especially when dealing with insurance companies. At Morain & Buckelew, LLC, we understand that the insurance process can be complex and that there are certain things insurance companies prefer you not know. This knowledge can dramatically impact the compensation you receive. Here’s what they keep under wraps and how knowing these secrets can protect your rights and increase your compensation.

Your Absolute Right to Recovery

One of the most guarded secrets that insurance companies don’t want you to know is that if another party is at fault in a car accident, you have an unequivocal right to seek compensation through their insurance provider. Here’s what that means for you:

• Fault and Liability: In Georgia, which operates under the “at-fault” system, the person who caused the accident is responsible for covering damages. This includes vehicle repairs, medical expenses, and any other losses.
• Insurance Claims: You are entitled to file a claim against the at-fault driver’s insurance policy. Insurance companies might obscure this right by suggesting liability is unclear or disputable when, in fact, it is not.

The Advantage of Having Legal Representation

Insurance companies are less likely to disclose that claimants who hire personal injury attorneys typically secure significantly higher settlements. Here’s why having legal representation matters:

• Increased Settlement Offers: Statistics show that claimants with legal assistance recover up to three times more than those who negotiate independently. This is because experienced attorneys understand the total value of the claim and are skilled in negotiation tactics.
• Experience in Litigation: If negotiations fail, the ability to escalate the matter to court can provide leverage during settlement discussions. At Morain & Buckelew, LLC, our firm is prepared to take your case to trial to ensure fair compensation.

The Real Value of Your Claim

Many clients initially need to be made aware of the full scope of what can be claimed following a car accident. Understanding both tangible and intangible damages is crucial to ensuring you receive fair compensation. Here’s a detailed breakdown:

• Tangible Damages:
  • Medical Bills: These can range from immediate emergency services to long-term care that may be required due to the accident.
  • Rehabilitation Costs: Includes physical therapy, chiropractic visits, and any other forms of ongoing professional medical support needed to recover.
  • Lost Wages: Compensation for the time you were unable to work and future loss of earnings if you are unable to return to the same line of work.
  • Property Damage: Covers repairs or replacement for your vehicle and any personal property damaged during the incident.
  • Out-of-Pocket Expenses: You may also claim for any other costs directly related to the accident, such as transportation to medical appointments or modifications to your home if needed due to disabilities caused by the accident.
• Intangible Damages:
  • Pain and Suffering: Compensation for the physical pain and discomfort caused by your injuries during and after the accident.
  • Emotional Distress: Recognizes the psychological impact of the accident, including anxiety, depression, and PTSD, which are common after severe incidents.
  • Loss of Enjoyment of Life: If the injuries you sustained prevent you from enjoying your daily routines and leisure activities.
  • Loss of Consortium: Typically applicable if family relationships are affected by the accident. This can cover the loss of companionship, affection, and other elements of a familial relationship.

Strategies Insurance Companies Use

Insurance adjusters employ several strategies to minimize payouts to claimants. Being aware of these tactics can help you safeguard your interests:

• Quick Settlement Offers: Insurers often offer a quick, low settlement to close a case before the full extent of damages is realized. Always consult with an attorney before accepting an offer.
• Requesting Unnecessary Information: Sometimes, insurers request extensive and irrelevant details to delay or complicate the claim process.
• Denying Valid Claims: Initial denial of a valid claim is another tactic, hoping that the claimant will simply give up or accept a lower settlement.

We Are Here to Help!

At Morain & Buckelew, LLC, we are committed to ensuring that you are fully informed and adequately represented throughout your personal injury claim process. If you’ve been involved in a car accident in Atlanta, Georgia, and are navigating the complex landscape of insurance claims, don’t hesitate to contact us. We’re here to ensure that your rights are protected and that you receive the full compensation you deserve. Call us today at (404) 448-3146 for a consultation.