Below are blog entries by our attorneys and new and pertinent law-related news items.
Pedestrian-automobile accidents are increasingly common on Atlanta’s crowded streets. The lack of adequate sidewalks often compounds the problem. Pedestrian knockdowns frequently happen because car, bus, or truck drivers fail to see pedestrians at intersections or along the shoulder of the road. As a result, motorists are quick to deny responsibility, claiming it was the pedestrian who caused the accident. Since Georgia is a modified comparative negligence state, if you're found to be 50% or more at fault, you can't recover damages for your losses.
Insurance companies are aware of this and investigate accidents in the hopes of assigning some portion of fault to a pedestrian. At McConnell & Sneed, LLC, we independently investigate the accident in order to recreate what happened and hold negligent car drivers financially liable for the injuries they cause to our clients.
In order to accurately determine the full financial impact of a pedestrian accident, we consult experienced medical economists and life care planners. We take into account costs associated with hospitalization, surgery, physical therapy, medical equipment, lost wages, and diminished quality of life. If necessary, we present a day-in-the-life video to ensure jurors understand the everyday challenges our client faces as a result of his or her injuries.
McConnell & Sneed, LLC has the experience needed to deal with insurance companies and the tactics they use to try and confuse issues and reduce the amount they have to pay in claims. We will track down all insurance benefits to which you may be entitled. We are paid nothing unless you collect money for your injuries. We provide each client with personal attention and professional representation.
If you believe we may be of assistance to you and you wish to discuss your situation with an experienced attorney without any charge or obligation, contact our office.
The state of Georgia requires motor vehicle owners and lessees to maintain continuous mandatory liability insurance coverage in order to drive on Georgia roads or highways. However, many motorists choose to purchase the lowest amount of coverage permitted by law. Underinsured and uninsured drivers are typically unable to cover the cost of a serious accident.
According to the Insurance Research Council, 14 percent of U.S. motorists are uninsured. If you have purchased uninsured motorist insurance and you are involved in an accident with an uninsured driver, you can obtain compensation from your own insurance company. Uninsured motorist insurance protects you, covered passengers, and covered family members for injuries resulting from an auto accident that is caused by an uninsured driver. Depending on your coverage, you may also be entitled to compensation for damage to your vehicle.
An underinsured motorist is generally a driver who has opted to purchase only the minimum coverage amounts required by law. Georgia state law requires minimum bodily injury liability insurance coverage of $25,000 per person, $50,000 per accident and minimum property damage liability insurance coverage of $25,000 per accident. However, these minimum amounts may not cover the costs that result from a significant accident. If the person who caused the car, truck, or motorcycle accident has insufficient liability insurance, you can make an additional claim against your own insurance company to recover the difference. This is particularly important because the average driver carries more than the minimum limits identified above and you are entitled to claim the difference between the insurance you purchased and the minimum limits of the underinsured driver.
Georgia does not require drivers to purchase underinsured/uninsured motorist insurance. However, it is a wise decision to purchase this coverage because if you are involved in an auto accident in which the at-fault driver is underinsured or has no insurance at all, you may be able to pursue a claim with your own insurance company if you have purchased uninsured motorist insurance. However, if you are involved in an auto accident with an uninsured driver and you do not have uninsured motorist coverage, your options may be limited.
We recommend drivers purchase underinsured/uninsured motorist bodily injury insurance with limits of at least 100,000 per person, 300,000 per accident. Raising your underinsured/uninsured motorist policy limits to these levels provides a substantial increase in protection against the uncertainties one faces everyday on the roadways of Georgia for a minimal increase in premiums.
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