Understanding Insurance Claims

Filing an insurance claim after a car accident can be a complex and stressful process. Understanding the basics can help you navigate the claims process effectively and avoid common pitfalls.

1. Types of Insurance Coverage

In Georgia, drivers are required to carry liability insurance, which covers damages and injuries caused to others. Other optional coverages include:

• Collision coverage: Pays for damages to your own vehicle.

• Comprehensive coverage: Covers non-collision damages like theft or natural disasters.

• Uninsured/Underinsured motorist coverage: Protects you if the at-fault driver has insufficient or no insurance.

2. Filing a Claim

To file a claim:

1. Report the accident to your insurance company as soon as possible.

2. Provide the necessary documentation, including the police report, medical records, and photos of damages.

3. Cooperate with the insurance adjuster but avoid admitting fault.

3. Negotiating a Settlement

Insurance companies often offer low initial settlements. Be prepared to negotiate, and if necessary, seek legal advice to ensure you receive fair compensation for medical expenses, lost wages, and pain and suffering. Learn more