Category Archives: Car Accident

How long will it take my Atlanta injury attorney to handle my car accident case?

Most people who suffer injuries as a result of a Georgia car accident aren’t really familiar with how their case may unfold. A frequent question is, “How long will it take you to handle my case?”

Cases can generally be classified into three categories: Class I, Class II, and Class III. According to these classifications, this is what can be generally assumed (although there are exceptions to all three, of course):

Class I cases involve catastrophic injuries and Georgia wrongful death cases, and there is no fixed timeline. There are typically many variables to these cases; they tend to not be cut and dry predictable.
Class II cases involve car accidents resulting in major injuries (to include fractures and ligament tears) and surgeries.
Class III cases involve injuries like strains, sprains, and general soft tissue injuries from which a client is able to make a full recovery.

In the cases of Classes II and III, a lot depends on how long the medical care continues. The following is a general outline of what to expect:

In the first few days after a Georgia car accident/injury it helps to remember a few things. One is that you don’t have any obligation to talk to the other driver’s insurance company, and you don’t have to give them a recorded statement. It’s somewhat common for an adjuster to call a day or two after a crash and advise you that property damages will not be paid unless that statement is given. This is an empty threat and should be ignored. If you’re unsure at this point how to conduct yourself, you can always consult a Georgia accident and injury attorney for their direction and advice.

Many people don’t know what to do about medical care after an automobile accident. If you have health insurance, follow any referrals made by a hospital emergency room or contact your health insurance company for a referral. If you have medical payments insurance on your  automotive policy, follow the hospital referral. If you don’t have health insurance (or limited coverage on your auto policy), your options are likely more limited. For fractures and major medical issues, hospital billing departments will sometimes allow you to apply for emergency Medicaid coverage, allowing you to get the emergency care needed to stabilize the injury.

Getting to the proper doctor is the most critical step in the early stages of any case. While you are securing care, a good injury attorney is gathering information about the other driver’s insurance company about the extent of their coverage. The attorney is also reaching out to your own insurance company to find out coverage limits and whether or not there is Georgia underinsured motorist coverage in order to help you make a full recovery. Other things that are collected are things like photographs of the vehicles involved, 911 tapes, witnesses, and dash cam video from police vehicles. In the first few weeks, preservation of evidence is a key focus for your attorney.

From there, the amount of time that passes before a demand to the insurance company is really dependent on the client’s medical condition. When medical care ceases, a demand package consisting of bills and lost wages can be assembled and reviewed with the client. Once the package goes out, it can take an insurance adjuster up to thirty days to review it before the offer/counter-demand process begins. If no settlement can be reached, then a lawsuit can be filed.

The details of a case determine the length of litigation. A realistic number is eight to eighteen months. So, the answer to the original question of “How long will it take to settle my case,” is  anywhere from several weeks to a year and a half, depending on the complexity of your case and the responsiveness of all parties involved.

If you’re sued after your Georgia car accident, you should know these 6 things.

A few years ago a woman I know was in a pretty rough car accident. Two days after she had major surgery and less than a week after the accident, the other party called her. He was uninjured, he assured her, and he wanted to see how she was faring. When asked about his own welfare, he said, “Oh I’m fine, don’t you worry about me. I was back out on the tractor the next day.”

Imagine her surprise, then, when she was served with a paperwork a couple of months later: She was now a defendant in an accident-related lawsuit. Noting the amount of damages the plaintiff was seeking, she felt sick.

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Not everyone is aware of this, but all insurance companies come with a legal team at their disposal. Some even have representation several bodies deep and raring to go.  Sometimes all it takes for a case to go to court is a few dollars more -literally- than an insurance company is willing to pay.

I’m going to share six things with you that anyone involved in a Georgia car accident needs to know, in case you end up facing a lawsuit.

  1. Always contact your car insurance company immediately after a wreck, most especially if there was damage. Follow their advice. This protects you in the case that you are sued or have to sue later down the line; don’t give an insurance company reason to not defend and indemnify you.
  2. All car insurance policies, even minimum limits policies, will provide you with a free lawyer in the event that you are sued. If you receive any legal notices or correspondence from the other party’s attorney, immediately call your insurance provider….preferably your local agent.
  3. Your insurance company will indemnify you up to the policy’s limit amount. In a lawsuit where the policy has minimum limits, the insurer will provide an attorney at no cost under their “duty to defend.” Any amounts that are awarded to a plaintiff over and above your policy amount will be entered against you after insurance payouts. In a lawsuit where the policy has minimum limits, the insurer will provide an attorney at no cost under their “duty to defend.” Any amounts that are awarded to a plaintiff over and above your policy amount will be entered against you after insurance payouts.
  4. If there is a claim against you or you’re sued, make sure you find out from your insurance company:
    • What are the claimed injuries?
    • What are the gross medical bills and lost wages?
    • What is the insurance company’s assessment of the case?
    • How does your insurance company plan to protect you?

    If you don’t have much coverage, you need to write your insurance company a letter. In the letter you need to clearly state that you expect them to pay to policy limits if there is a chance that will get you a release or limited liability release.

  5. In Georgia, your homeowner’s insurance has nothing to do with debts you owe as a result of a Georgia car wreck.
  6. In some cases, if your insurance company refuses to pay up to policy limits after an injured party’s lawyer demands the limits and there is an excess verdict in your resulting court case, you can sue your insurer for failing to protect you.

The woman I mentioned before? She ended up winning her lawsuit and now says that she learned a powerful lesson from the whole experience: Insurance companies are concerned with numbers and numbers only. She wasn’t a client sitting at that table, she was profit or loss and she was a statistical number that the insurance company got to plug into its yearly data.

If you start to feel like your best interests aren’t being served by your insurance company and their counsel, you need to contact an experienced Atlanta accident and injury attorney to assist you.

What information am I supposed to collect and give away after a car wreck?

Many new drivers of my generation were taught that, where automobile accidents are concerned, you keep your mouth shut, answering only what you were asked and not out and out admitting fault. We were also instructed to get as much information as we could from the other guy in involved, because if we didn’t we might somehow be stuck with post-accident repair or medical bills.

There used to be legitimate reasons for doing this, of course. Maybe you wanted to be sure the other driver wouldn’t change his story after the insurance companies were contacted. Maybe you thought the other driver might try to weasel out of any liability he may have had. Maybe you were afraid he’d be hard to track down without as much information as you could manage to gather.

The more thorough you attempted to be, the better. Typically, you’d collect the other driver’s license and tag numbers, their insurance information, their home address and telephone number. You might even chance to gather the information of any accident witnesses. Certainly you’d be just as forthcoming with all of your own information.

While this was standard a couple of decades ago, times have changed. Many people aren’t aware, however, that less information is needed now than it used to be. According to the National Association of Insurance Commissioners (NAIC), these days most of the information we used to trade so readily could put a driver at risk of identity theft!

No longer should you share personal information like your license number, home address or even your telephone number, the NAIC says. Typically you should only give the other driver you name and your insurance information, like the name and phone number of you provider.

Forty percent of people surveyed by NAIC said they felt that they had to give their driver’s license numbers. One in six would even be so generous as to let the other driver photograph their license as a quick method of information exchange between drivers! These days, your driver’s license number -second only to your social security number and date of birth– is the most common means of identity verification.

Twenty-five percent of NAIC survey participants said that they’d disclose their home addresses, which effectively lets a stranger know where you live. About a third think that they’re required to share personal phone numbers. When it’s ingrained in you to collect as much information as possible, it’s difficult to not succumb to this practice. You want to make sure, if the accident isn’t your fault, that your crash-related losses and expenses are covered.

“It’s very chaotic and intense after an accident and, as a result, most people have a tendency to give out more information than they should,” said Kevin M. McCarty, NAIC president and Florida insurance commissioner. “Certainly, staged accidents are a very common way to defraud consumers and insurance companies. You have to be careful by only sharing what information is vital to complete the accident report.”

This is especially true in a day and age where personal information is a valuable, tradable resource. Criminals are getting more creative with the ways that they gather personal data; what if an accident is staged for the sole purpose of doing so?

By the way, the NAIC says that 20% of those surveyed believe that you only call the police if someone is injured. This is inaccurate: You always call the police, no matter how minor an accident seems! A police report could aid you greatly with any insurance claims you have to file.

To help drivers who find themselves involved in an automobile accident, the NAIC has developed a mobile application called ‘WreckCheck’ that takes you step by step through what should be done immediately post-accident. The app suggests, for instance, that you take pictures of license plates and landmarks, as well as recording a quick description of what happened while the events are still fresh to you. It also allows you to e-mail an accident report to yourself and your insurance company. WreckCheck is available for both Android and iPhone smartphones. NAIC also has an accident checklist available to download, print, and stash in your glovebox in case of accident.

If you’re in need of an Atlanta accident attorney to assist you post-wreck, give our offices a call.

What are the benefits of camera technology for the Georgia car accident victim?

The average Georgia citizen may not realize this, but video cameras are quite prevalent around Atlanta.  There are a series of them covering all major highways, and more and more are at major intersections. Most law enforcement personnel now have video and audio recording devices as standard equipment in cruisers, where they are set to be activated automatically as soon as the officer flips his warning lights.

Something else the average Atlanta motorist might not think about is how handy these cameras could be in case of a car wreck. In automobile accident cases, the insurance company will dispute liability by any means necessary and try to keep the injured party down. Many times, this leads to cases that turn into ‘swearing contests’ where there are no eye witnesses, and a jury is left to suss out the credibility of each side without a whole lot of concrete assistance. What doesn’t make sense in this scenario is that there are more and more video cameras, yet it’s very difficult to get the police and/or Department of Transportation to produce these records.

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Often, when an attorney sends an Open Records Request or subpoena, the response is, “We don’t record that information.” The lack of access to these videos leads to needless litigation for both the plaintiff and the defendant. There are situations where large companies whose trucks were clearly at fault, but the company chooses to litigate a case because there is a chance a jury will find in their favor. On the other side of the coin, there are cases where a car driver is clearly at fault and a truck driver would be easily exonerated by video evidence.

Video images are valuable to Georgia personal injury and car accident lawyers because they allow a view of an accident scene in the moments leading up to, during, and after a crash occurs. Things like lighting conditions, weather and road conditions, placement and activity of vehicles, and the license plate numbers of eyewitnesses that aren’t listed in a police report are available via video records. There are many advantages to having access to these recordings.

Where audio is available, it is valuable as well. A few years ago, a client who’d been involved in an accident with a tractor-trailer that had turned left into his path. The client’s pickup had its roof ripped off when the trailer went across it. The client was able to duck and survive, but still sustained major spinal injuries that required surgery. The trucking company’s insurance company tried to deny liability and stated they had an eyewitness that would testify that the client was speeding.

Upon contacting the eyewitness, my colleague learned that the insurance company’s adjuster had called the eyewitness and fed him bits of information that  –no matter how erroneous– tainted the eyewitness’ view of the client. Since a Georgia State Patrol officer responded to the scene of the crash, there was audio available (GSP troopers wear mics on their uniforms and record all interactions at stops); in this case the trooper interviewed the eyewitness on-scene, and the eyewitness plainly stated that the tractor-trailer driver was at fault in the collision. This resulted in the insurance company backing down and paying for the injury that their driver caused.

When you hire an Atlanta accident attorney, make sure he is prepared to take the steps needed to secure evidence necessary and beneficial to you. Call us for our specific know-how in these matters.

What are the elements to determining liability where my Georgia car wreck is concerned?

When someone is injured through no fault of their own, both Georgia state and federal laws put forth that there should be some sort of compensation by the responsible party to the injured one(s). Sometimes, though, determining responsibility for a car accident is not simple by applicable legal standards.

Before you’re able to receive monetary compensation for your injuries, treatment, and lost wages, you have to establish liability. In order to do this, you have to prove three things; those three things are duty, breach of that duty, and causation.

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Duty deals with what behavior or amount of care a wrongdoer owed you before an incident. This may be an average public duty expected of people by society at large, or it could be a duty outlined by state law or city codes. At times the two overlap. Think of an average public duty as a combination of basic civility and common sense. For example, say you’ve recently changed a tire on your vehicle and you’ve not replaced the lug nuts on it yet. If you were to drive your car knowing that you had no lug nuts on your wheel, you are demonstrating a lack of ordinary and reasonable care. If, through that lack of car (say, for instance, your wheel goes flying off and this causes an automobile accident), a person is injured or killed, then he has a case against you for damages. This is because you could have prevented the destruction had you replaced those lug nuts before hitting the road.

When duty has been established, it’s time to move on to breach. It’s here that you have to establish the wrongdoer’s breach of duty. Say a person driving down the road is following the vehicle in front of him too closely. As a result, he rear-ends that driver in front of him when the driver’s brakes are applied suddenly. In this case, the driver following behind most definitely was in breach, as he was not exercising good driving practices; he had a duty to follow at a safe distance, and he did not.

So you can establish duty. You can also establish that the other guy breached it. However, the breach had to have caused any injury to you before the law can provide a judgment in your favor. In other words, the error on that other guy’s part has to be the primary reason for your injury before you can recover damages. That is causation. Let’s say that after a wreck you have a severe migraine. If you have no active history of migraines, then this one may have been caused by the accident. On the other hand, if you have a history of migraine headaches, then causation is in question; it will be harder to prove that the accident was responsible for your post-wreck headache.

If you have questions of liability where your Georgia car accident and personal injury are concerned, please contact us and we at Moebes Law, LLC will gladly go over the facts of your case.

What are some critical additional coverages needed for my Georgia auto policy?

In my last post about car wrecks and car insurance in Georgia, I walked you through an automobile insurance policy and discussed my thoughts on coverage types and amounts. Today I’m going to go over a couple other types of coverage and weigh in on the merits of those.

First up is Uninsured/Under-insured Motorist coverage. This type of coverage is incredibly important and could make the difference in whether or not you are in a poor position financially post-accident. Historically speaking, the accidents that cause the most damage physically and financially typically arise from collisions with uninsured and under-insured drivers. The reason behind this is fairly simple:  people with poor driving skills tend to have a higher overall number of speeding tickets and prior collisions. This makes insurance rates more expensive, and decent coverage may take a back seat to affordability. A lack in the other guy’s coverage probably means you don’t get your costs anywhere near covered by the under-insured party.

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Most Georgia drivers drive with the minimum mandatory limits of $25,000. When you factor in the costs of most basic care (ambulance ride, ER fee, physician fee, all applicable tests or scans) in the form of a visit to the emergency room, that $25,000 might be sufficient. If you add in an injury that requires a specialist or any long-term care, $25K will likely be woefully short of the medical expense mark. Keep in mind, we’ve not even considered things like downtime and related loss of income yet. Thus the term ‘under-insured’: the other driver isn’t insured enough, and under-insured motorist coverages bridges the gap.

Also keep in mind that some drivers break the law and don’t carry insurance on themselves at all. Can you imagine having to pay out of pocket on an accident that isn’t your fault? That’s where the words ‘uninsured coverage’ enter your life.

In a case with substantial injury, Georgia uninsured and underinsured motorist insurance plays a huge role. These coverages step in and take over where the other driver’s insurance leaves off (or, in some cases, is nonexistent). I suggest carrying a minimum of $100,000 in UM coverage on yourself.

A second type of coverage I feel strongly about is known as medical payments insurance. Most savvy agents will suggest you include this, but in case yours hasn’t, I urge you to look into it. This coverage directly benefits you and your passengers if you or they are hurt in an accident. It pays out no matter who caused the wreck and doesn’t have to be paid back if you recover funds from an at-fault party. It’s pretty inexpensive, and I recommend a minimum of $5,000 per person.

As always, the Georgia accident lawyers at Moebes Law, LLC are available to answer your questions about your case and your rights under Georgia law. Get in touch with us!

(photo source here)

What should I look for in my Georgia auto insurance policy BEFORE I get into a car wreck?

Most people don’t consider their automobile insurance often, and some don’t have a good understanding of what their policies cover or mean. I want you to think about taking the time to review your own coverage so that if an accident should arise, you are well-informed and secure in the knowledge that you have what you need. Do you really have ‘full coverage’? Do you really have coverage that suits you? What your insurance agent defines as full coverage is typically liability insurance (both bodily injury and property damage), collision coverage, and comprehensive coverage. My question to you, though, is even if you have what is commonly termed ‘full coverage’, is your coverage in adequate amounts?

About every six months you should get a declarations page from your insurance company. This contains your policy information. It more than likely lists the types of coverage you have, as well as the dollar amounts of each of them. If you don’t have a current declarations page, then you can typically find one via the internet if you handle your insurance account(s) online.

Usually the first type of coverage listed will be “Liability/Bodily Injury”; it’s one of the most valuable aspects of car insurance. When you have liability and bodily injury coverage, if you are in a collision with someone and a person is injured, this type of insurance will pay toward their medical expenses.  For instance, let’s say you have $25,000 of coverage. If someone you were in a car wreck with files a claim with your insurance agent, then the insurance company will pay the claim up to that $25,000. If the other party decides (for whatever reason) to sue, then your insurer will provide you with an attorney free of charge under the ‘duty to defend’ in accordance with your insurance contract with them.

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The second type of coverage listed is typically ‘Liability Property Damage’. This coverage is responsible for any damages you may cause to the property of others. You might run into a neighbor’s wall or another driver’s car. Your insurance company adjuster will investigate, appraise any damage, and pay for it up to your policy limits.

So you see, liability coverage is just to protect your pockets when you have caused harm to a person and/or their property with your vehicle. I recommend that you have a minimum of $100,000 in coverage per person.

Also listed will be ‘Comprehensive and Collision’, and these are frequently misunderstood. Collision coverage pays for repairs to your own vehicle and is required on all vehicles that you’ve financed or leased. With collision, you pay your deductible and the insurance company pays the rest up to your policy limits. If you set a higher deductible for yourself, you’ll save a good bit of money in premiums while still protecting yourself against huge financial risk.

Comprehensive coverage is protection against a variety of damages and circumstances. When you have comprehensive coverage, you are insured in case of things such as theft, vandalism, and acts of nature like flooding, hail or other storm damage. Comprehensive is typically only recommended for cars that are less than ten years old or high in monetary value.

There are a couple of other types of coverage that I would recommend on your policy; I’ll go into detail about those another time. If you have any questions about insurance coverage, or if you need an Atlanta injury attorney to help with your car accident claim, give us a call, and we’ll discuss your case.

Help! I’m going to court about my Atlanta car wreck. What do I do?

In my last post about auto accidents in Georgia, I gave you information on how to get started on seeking reimbursement for your damaged car post-wreck. So you’ve filed your civil suit and want to know what to do now, right?

Well, you prep for your court date. For whatever reason, you have decided not to hire an attorney to represent you, and you may be nervous about representing yourself. Being thoroughly prepared will help to alleviate some of your anxiety, and here are some tips for equipping yourself:

Be organized.  Have everything you need at your disposal and readily accessible. Some things you will likely need with you are receipts, bills, witnesses, and photographs. If you think that you might be more than a little nervous, equip yourself with notes on what you’d like to convey to the court. Keep them brief so that you won’t get lost in the notes while glancing to them from time to time.  All you need is basic points; you’ll be able to fill in the details as you go along. Your notes are just to guide you and jog your memory.

Don’t waste your time with affidavits. They’re useless since they’re considered hearsay, and the judge will not allow them.  You’ll need an actual person to give an actual account of what needs to be entered into the record. This could be a witness who saw the accident with their own two eyes, or it could be the person at the body shop who did/is doing your repairs and can attest to the cost of those.

Be neat, clean, and mannerly. These are all symbolic of your respect for the court. Your appearance is also an extension of being organized.

Be prepared to present your case. Present to the court what traffic rule or duty of the road that the other person failed to comply with. You can testify on your behalf and recount your observations, since the first part of the case is for testimony.  While you’re doing this, be brief and professional. Don’t go on a long rant and don’t swear.

Introduce any evidence you brought, whether it be photos, witnesses, or bills and receipts. When you introduce these things to the court, you must ‘tender’ them. This means that each item (bills, receipts, photos) you want the judge to examine must be numbered and you are required by court procedure to say, “I am tendering exhibit number so-and-so” and hand it to the judge.  You are also required to show it to the other party before you attempt to show it to the judge.

You can call the other party to the stand. You may ask them questions, but you’re not allowed to argue with them. Again: Keep it professional! I can’t stress this enough. You can ask questions such as what speed they were traveling at, what they were paying attention to, whether or not they were doing anything in addition to driving such as fiddling with the radio or talking on the phone. Keep questioning to a practical minimum and stick with ones relating to how the crash happened. It might help if you have a list of questions already prepared for this going into court.

Before you rest your case, use this checklist:

  1.  Did I tell the judge all my evidence dealing with why it’s the other guy’s fault rather than mine?
  2. Did I submit all the pictures and paperwork showing damages?
  3. Did I tender my exhibits?

You can give a closing argument. You should use this time to tell the judge the most pertinent, strong facts in your favor and reiterate why the other side is wrong.

I hope I’ve made you feel better about court procedure post-accident. If you’ve changed your mind and don’t want to represent yourself in your civil case for damages, give us a call and we’ll talk about acquiring a skilled Atlanta trial lawyer to help!

I live in Georgia and got in a car wreck. How do I get the other guy’s insurance to pay for my car?

Lots of folks don’t know how to proceed after they’ve been in an auto accident. Insurance companies for the other party can be intimidating, and the paperwork involved may overwhelm someone who has never had any experience with a car wreck.  One of people’s biggest worries is how to go about getting their car fixed after the wreck.

The first thing you probably need to know is that if the police report cites you as being at fault, you’re going to have a harder time getting your repairs paid for. It’s not unusual for a police officer to assign blame wrongly. This isn’t because they are out to get anyone;  they’re doing the best they can on the spot. Officers are not in the business of deciding liability and often have to go with what appears to be the most obvious scenario.

If you are blamed for the accident within the police report, or if you get a citation for the accident, you will have had to have collision coverage on your own auto insurance policy. To put it bluntly, the other driver’s insurer will refuse to pay your damages unless it appears that their driver is to blame. In this case, you’ll need to submit your claim to your own insurer. If you have no collision coverage at the time of the wreck, then your situation is pretty grim. Some Atlanta injury lawyers will bundle property damage claims with bodily injury claims, but they make those calls on a case-by-case basis.

If you’re not to blame and there isn’t an injury claim, it’s advisable to do the following:

Fight the ticket in court. If you aren’t represented by a lawyer, and the policeman doesn’t show up the first time, the case will probably be continued to another date. If he doesn’t appear a second time, the court will throw out the ticket.

Don’t plead guilty to a citation if you want to fight its liability. This is basically admitting you are to blame. In most Georgia courts you can plead ‘Nolo Contendere’ once every five years; you want to be careful how and when you use this, though. Use it where it can do you the most good. In other words, you want to save this option for important charges. A second option is to try the citation before a judge. If you lose, this result has no bearing on a civil case where your opponent is seeking damages.

File a civil suit.  After your traffic court issue is done, go to the magistrate court in the county where the other driver lives.  You can find their address on the police report.  For about $125, you can file a civil suit. In your complaint, explain in simple terms–without heated language– why the other side is to blame and how much it will cost to fix your vehicle. Try to acquire more than one estimate, so you can establish a baseline that is fair to your case.

Okay, that’s the pretrial information. Next time I’ll give you the rundown on how to be prepared for your court date. Or, if you think it might be too intimidating or overwhelming to go it alone, you could give me a call and inquire about legal representation.

I had a car wreck in Atlanta. Now what?

While we here at Moebes Law usually cover incidents and accidents that fall under workers’ compensation laws, today I’d like to talk about automobile accidents. Car accidents are a daily occurrence, even more so in major metropolitan areas like Atlanta. Car accident attorneys get call after call about the intricacies of victims’ rights and responsibilities after an accident.

Here are some typical queries and my best answers to them:

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Should I see a doctor after my accident? If so, when should I visit one?

Yes. Okay, back up: Not only yes, but YES. Go to the doctor immediately if you have any pain, discomfort or indication of injury. If you ‘wait and see’ if you’ll ‘feel better’, you will likely weaken any case you may have for the reimbursement of your medical bills. Conversely, don’t go to the doctor or emergency room if you do not have any injuries in order to create a claim. The courts do not look kindly on fraudulent plaintiffs.

Is there any instance in which I shouldn’t call my insurance company?

In a word, no. People often cite the fact that they don’t want insurance companies involved for fear of their rates rising. If a police report is filed, your insurance company will find out anyway. Go ahead and be proactive; contact your agent and allow them to try and work on your behalf as quickly as possible. If you wait you could void any claim in your favor.

How do I handle my hospital or doctor bills post-treatment?

First, lots of insurers will say both that you need to send them your bills and that you need to sign a medical records release. Do not do this. They are not ordering your records and requesting your bills to facilitate payment. They want to try and find a reason to avoid cutting a check and will do so by any means necessary.

Second, you need to follow up with the hospital’s billing department to make sure that they bill your health insurance. Your health insurance will cover bills from car accidents, but only as secondary coverage. This means that your car insurance is billed first for any benefits available under the medical payments portion of your policy. Hospitals may neglect (or be resistant) to bill your health insurance because they want to collect at 100% rather than the fee schedule agreed upon under your health insurance.

Is there anything else of importance that I need to know?

Yes! Do NOT work with a doctor or lawyer that calls you unsolicited after a car accident. In the state of Georgia, it’s illegal to reach out to victims of wrecks, but there are those that do so. There are people that are paid kickbacks by attorneys and physicians to do that very thing. It’s immoral and unethical…don’t fall prey to them; to them you’re merely a dollar sign!

Entrust your case to someone you have carefully selected when you are not under duress or the influence of painkillers (ha).

While Moebes Law handles only workers’ compensation claims, feel free to contact our firm and we will put you in touch with reputable, capable counsel to assist you with your car accident case!