If you have recently been involved in a car accident in Georgia, then you may wonder what steps there are in the car accident claims process. First, we want to advise you to reach out to an attorney if you are experiencing any complications in recovering compensation after an accident caused by the actions of another driver. These steps represent the most common path toward recovering compensation after an incident, but the time frame and order of these steps may look different for your particular situation. Call a Newnan car accident attorney for advice on your claim today.
1. Report the Accident
In Georgia, you are legally required to report a car accident to the police if it results in injury, death, or over $500 in property damage. Reporting the accident promptly is crucial for several reasons. Not only does it fulfill your legal obligation, but it also ensures that an official record is created. The police report will include the details of the accident, including the parties involved, the location, and the circumstances leading to the collision.
2. Gather Evidence
After ensuring everyone’s safety, the next critical step is to gather evidence. This includes taking photographs (using your phone or another camera) of the accident scene, the vehicles involved, and any visible injuries. Collecting contact information from witnesses and the other driver is also essential. Additionally, make sure to keep all records of medical treatment and repair estimates. The more evidence you have, the stronger your case will be when filing a claim with the insurance company.
3. Notify Your Insurance Company
You will also need to notify your own insurance company about the accident as soon as possible. Even if the other driver was at fault, your insurance provider needs to be informed. This notification is necessary to begin the claims process and to ensure that you comply with your policy’s terms. Be cautious when discussing the details of the accident with the insurance claims adjuster, and avoid admitting fault until all the facts are reviewed.
4. File a Claim
Once you have notified your insurance company, you will need to file an official claim. This step involves submitting all relevant documentation, including the police report, medical bills, and repair estimates. In Georgia, you have two years from the date of the collision to file a personal injury lawsuit in civil court.
5. Obtain a Repair Estimate
After filing your claim, you will need to obtain a repair estimate for your vehicle. You have the right to choose where your car is repaired. The repair estimate will be submitted to the insurance company as part of your claim. It is a good idea to get multiple estimates to ensure that you receive a fair assessment of the damage.
6. Review Claim Assessment
The claims review process may involve an adjuster inspecting your vehicle, reviewing medical records, and speaking with witnesses. The insurance company will then determine the amount they believe you are entitled to based on the evidence provided. The initial offer may be lower than expected. An experienced personal injury attorney can be beneficial when working to secure the compensation you need.
7. Receive Claim Approval
After the assessment, the insurance company will either approve or deny your claim. If your claim gets approved, the insurance carrier will provide you with the settlement amount they are willing to pay. If your claim gets denied, you will receive an explanation, and you may have the option to appeal the decision. In some cases, additional evidence or negotiation may be required to reach an agreement.
8. Get the Car Repaired and Settlement
After the claim is approved, you can proceed with getting your car repaired. The insurance company will either pay the repair shop directly or reimburse you for the costs. In addition to vehicle repairs, you will receive compensation for any other damages covered by the settlement, such as medical expenses or lost wages. After the repairs are completed and the settlement is paid, your car accident claim will be resolved.
Seeking Legal Assistance After a Georgia Car Collision
Navigating the car accident claims process in Georgia can be challenging, but understanding the steps involved can make the process smoother. If you encounter any difficulties or have questions about your rights, do not hesitate to contact an experienced attorney. At Kam, Ebersbach & Lewis, P.C., we are here to help you every step of the way. Contact us today for a free consultation and to learn more about how we can assist you with your car accident claim.