Preparing for a Consultation with a Georgia Personal Injury Lawyer

A man in a business suite touching the word legal advice in the foreground.

If you need to consult with a personal injury attorney in Georgia, there are some things you should know prior to meeting with the attorney. There are many fine personal injury attorneys in Georgia but you need to find the one that is the best attorney for your case. This begins with the initial consultation.

What Is a Lawyer Consultation?

Most personal injury consultations are free of charge. The vast majority of Georgia personal injury lawyers work on a contingency fee basis and will only get paid if you win your case.

Think of your initial meeting like an interview — you are interviewing the attorney and the attorney is interviewing you. A bad lawyer can kill your case so be sure you are comfortable with the lawyer’s skills and professional accomplishments before you agree to hire his or her firm. It is a huge red flag if the attorney sends an investigator or paralegal to meet with you during the initial consultation. Stay away from attorneys that don’t attend initial consultations because they are likely too busy to handle your case if they can’t make time for an initial consultation.

During your initial meeting, you will share details and talk about your accident or injury. The attorney should be listening carefully to determine whether they can help you, and whether you have a valid claim. When sitting face-to-face with the attorney, you can get a feel for who they are and how they might work. Don’t overlook this point because you are entrusting them with your case.

What to Expect During a Consultation with a Personal Injury Lawyer

During the consultation, you can expect to discuss the facts of your case, any evidence you may have, whether the facts of your case meet the legal requirements for a lawsuit, and your eligibility for any compensation. You should also discuss the steps involved in bringing a personal injury case as well as things you should and should not do in regards to your injury.

The Facts

An attorney will need to know the events that led to your accident or injury. Where you were, what you were doing, your relationship to the defendant, were you driving, were you a pedestrian, what sort of vehicles were involved, were there any warning signs of danger, was the floor wet, and many other facts that help create a picture of what happened. If you took notes immediately after your accident, this is one instance where they will be valuable.

Evidence

An attorney should not expect you to have every single bit of evidence at this stage in your case; however, do share with the attorney contact information for any witnesses, photos of the scene, police reports, medical records, and any other proof to support your case.

Legal Requirements

This is the part of the consultation where the attorney will assess whether the at-fault party should be required to pay you damages. If the facts of your case don’t meet the legal requirement to file a lawsuit, the attorney should let you know. At this stage, the attorney has only your version of the facts to go on, so you should answer all of their questions honestly and truthfully.

Compensation

If you have met the legal requirements for a lawsuit, during the consultation the lawyer will go over the types of compensation you may be awarded, either in a settlement or if you win your case at trial.

You should also discuss the importance of identifying all sources of insurance because the vast majority of defendants in Georgia personal injury cases do not have enough assets to pay a substantial judgment.

For Your Free Consultation, Contact Williams Elleby Howard & Easter

Our attorneys are here to help you figure out what to do next. If you have been injured in Georgia and have questions about the law and the facts of your case, contact Williams Elleby Howard & Easter to schedule a free consultation by calling 833-LEGALGA.

Who Is Responsible for a Georgia Rear-End Accident?

A side view of the smashed frontend of a silver car rearending a black car.

It is a commonly held belief by many Georgia drivers that the fault in a rear-end collision is easy to determine and that the driver that rear-ends the other is always at fault. And while that is usually the case, the reality is that there are exceptions to this rule. Rear-end collisions make up a large portion of the more than 385,000 traffic accidents that occur in Georgia each year. That’s why it’s important to understand when drivers may share fault in a rear-end collision, as these accidents contribute to Georgia’s relatively high cost of insurance. Shared fault can have a major impact on a personal injury claim due to Georgia’s adoption of contributory negligence laws.

What Is Contributory Negligence?

Under Georgia’s contributory negligence laws, a plaintiff in a personal injury lawsuit may recover a portion of their damages even when they bear some of the responsibility for the collision. The jury in the case will make a determination of what percentage at fault the plaintiff is. The jury will then take this “fault percentage” and apply it to the total value of the damage in the case. For example, if the jury finds there were $100,000 worth of damages but the plaintiff was 30 percent at fault, the plaintiff will lose 30 percent of their recovery. The end result would be an award of $70,000 for the plaintiff. In cases where the plaintiff is partially at fault for a rear-end collision, the total recovered will be reduced. If a jury ultimately determines that the plaintiff was primarily at fault for the accident, the award will be zero.

Examples of Shared Fault Georgia Rear-End Collisions

There are a handful of scenarios in which liability for a rear-end crash could be split. The first and most common is when the driver of the front vehicle makes a sudden maneuver. This can include anything from a rapid lane change or a sudden stop. While the following driver has a duty to not follow too closely behind the front vehicle, there may be a case for split liability if the driver of the front vehicle makes a move that is so sudden that a collision could not reasonably be avoided.

Another common example where liability for a rear-end collision could be split is the presence of a mechanical defect or failure. If the front driver knowingly operates a vehicle without working brake lights or turn signals, there is a strong argument that the front driver is liable. This includes both mechanical defects as well as a driver’s failure to activate a car’s headlights or blinker.

If You’ve Been Rear-Ended in Georgia, Contact Williams Elleby Howard & Easter Today!

In the vast majority of cases, a driver can prevent causing rear-end collisions by traveling at a safe distance behind the car in front of them and paying close attention to traffic and road conditions. If you have suffered an injury from a rear-end collision, contact an experienced Georgia personal injury attorney right away. Your attorney will explain the process of recovering your damages to you and help gather evidence in preparation for trial. If your case ends up before a jury, your attorney will use that evidence to make the case that it was the defendant’s lack of care that caused the accident, not yours. To discuss your case with an experienced Georgia car accident attorney, contact Williams Elleby Howard & Easter today at 833-LEGALGA.

What Are Pain and Suffering Damages?

A woman laying in a hospital bed with her hand covering her eyes.

If you have suffered an injury in a Georgia vehicle accident, it is probably no surprise to you that it is possible to recover the costs of your medical treatment and other bills from the responsible party. It’s not difficult to place a monetary value on these economic damages; your attorney would merely seek to recover the amount of your medical bills or lost wages. However, these are not the only type of damages available to you when you’ve suffered an injury due to the negligence of another. Under Georgia law, you may also seek recovery for your pain and suffering.

A monetary judgment against the person responsible for your injuries can’t heal the physical or emotional suffering you’ve endured. In the case of life-altering injuries, money is a poor substitute for the things you may no longer be able to enjoy in life. But while monetary damages can’t heal your pain, they can be one means to help restore your previous quality of life. But unlike medical bills, there isn’t a bottom line figure that you can point to when evaluating your pain and suffering claim. So how would your Georgia personal injury attorney show a jury how much your suffering is worth?

What Is Pain and Suffering Under Georgia Law?

The availability of pain and suffering damages for civil actions in Georgia courtrooms is set out by statute. According to O.C.G.A. 9-10-184:

In the trial of a civil action for personal injuries, counsel shall be allowed to argue the worth or monetary value of pain and suffering to the jury; provided, however, that any such argument shall conform to the evidence or reasonable deductions from the evidence in the case.

This language is vague, but a series of Georgia court decisions have given courts some guidance on what constitutes pain and suffering. Some of the factors that courts will consider in evaluating pain and suffering injuries include:

  • Whether the pain interfered with your healthy living.
  • Whether the pain interfered with your enjoyment of life.
  • If your pain and suffering led to a loss in your ability to earn money.
  • If your bodily health has been impaired long-term or permanently.
  • The shock from the severity of the impact.
  • Fear and worry over the extent of your injuries.
  • Your mental anguish, now and in the future.

Unlike specific acute injuries like cuts and broken bones, it can be hard to describe pain and suffering to a jury. Thankfully, skilled injury attorneys can use your medical history and witness testimony to paint an accurate picture of your pain and suffering. Your attorney can rely on your medical records to show that you have regularly complained about pain since the accident occurred. You, as well as friends, family, and co-workers may also be called to testify as to the effect the pain and suffering has had on your life and ability to care for yourself.  If the pain is likely to be permanent, skilled attorneys have many tools, including mortality tables, to help juries calculate the length of time an injured victim is likely to suffer.

Questions? Talk to One of our Georgia Personal Injury Attorneys

If you have suffered an injury in a car accident in Georgia, contact a personal injury lawyer today. Trained professionals have extensive experience representing car accident victims and can answer any questions you have about whether pain and suffering damages are available in your case. For answers, contact Williams Elleby Howard & Easter at 833-LEGALGA for your free consultation today.

Georgia Auto Insurance Laws

A man wearing a suit in the background with the words ARE YOU INSURED in the foreground.

In Georgia, car insurance is required. It is there to protect both drivers and passengers in the event of an accident.

Minimum Requirements

If you drive a car in Georgia, you must have automobile liability insurance for the minimum limits required by law to drive on public roads and highways. Liability coverage pays for any damages you may cause to another driver or their property while on the road.

The minimum limits of liability required under Georgia law are:

  • $25,000 for bodily injury per person in an accident;
  • $50,000 for bodily injury or death of multiple people in an accident; and
  • $25,000 for property destruction of others in an accident.

Acceptable proof of Georgia liability insurance coverage:

  • Proof of insurance, filed by your insurance company, in the Department of Revenue’s database.
  • Rental agreement for a vehicle that is being rented.
  • Bill of Sale dated within 30 days of the date the vehicle was purchased and a valid insurance binder page.
  • A valid Self-Insured Insurance Card and a Certificate of Self-Insurance.
  • Valid Insurance policy information card for Georgia International Registration Plan.

Optional Coverage

If you can afford it, it is recommended that you also purchase additional coverage beyond the liability insurance. While additional coverage is not required by state law, it may be  required by the bank or finance company if there is a loan on the vehicle or if the vehicle is being leased. Additional coverage provides you with extra protection in the event of not only a collision but other non-accident related damages to your car.

Here are the most common types of optional kinds of insurance:

  • Collision Insurance: This covers you in the case of collision with other vehicles.
  • Comprehensive Insurance: This covers your car for non-accident related damages such as theft, vandalism, and fire damage.
  • Uninsured Driver Insurance: This covers you if you are hit by an uninsured or underinsured driver.

Showing Proof of Auto Insurance

You should keep a copy of your insurance policy card and registration in your vehicle. You must also be registered in the Georgia Electronic Insurance Compliance System (GEICS). This is used by law enforcement during traffic stops. Your insurance provider is responsible for registering you with GEICS.

Here are some common instances where you might need to show proof of auto insurance:

  • At the DMV when renewing, reinstating, and changing license plates.
  • At the request of a police officer during a traffic stop.
  • After an accident.

The Penalty for Driving Without Insurance

Driving a vehicle while the registration is suspended, revoked, or canceled is a criminal offense.

By law, the Georgia Department of Revenue must:

  • Suspend or revoke the registration of any vehicle that does not have continuous Georgia Liability insurance coverage.
  • Fine the vehicle owner/lessee $25 for any lapse of coverage while the vehicle is actively registered.
  • Fine the vehicle owner/lessee up to $160 in addition to the $25 fine if the lapse of coverage fine is not paid within 30 days and
  • Refuse to renew or reinstate vehicle registration for any of the following:
    • Fines have not been paid
    • An unresolved lapse of coverage
    • The vehicle is not insured

For More Information, Contact Our Georgia Car Accident Attorneys

If you have been in a car accident and you feel like you are owed compensation from an insurance company, contact  Williams Elleby Howard & Easter to schedule a free consultation by calling 833-LEGALGA.

Do I Have to Pay Taxes on My Personal Injury Settlement?

A diamond shapped yellow sign with the words DID YOU KNOW against a blue sky with white wispy clouds in the background.

When it comes to settlements for personal injury lawsuits, one topic that is rarely discussed is the tax implications of that settlement. Many personal injury settlements involve a large lump sum payment; failure to pay the required taxes on an amount that large could land you with a significant penalty with the IRS. But are personal injury settlements even taxable? According to the IRS, it depends on the circumstances surrounding your settlement. In fact, it is possible that part of your settlement is taxable while other parts are not. Typically, your settlement can be itemized into different sections including medical costs, pain and suffering, lost wages, and even interest. Ultimately, it depends on what the purpose of that part of your settlement is.

Repayment for Medical Bills 

Fortunately, any part of your settlement that is earmarked for claims regarding your personal physical injuries or illnesses is not taxable. If your entire settlement is entirely related to your injuries, you may not have to pay taxes on any of it. However, there is an exception. Any money that is for medical bills that you deducted from your taxes in previous years must be counted as income on your current year’s taxes.

Emotional Distress

For settlement money intended to address emotional distress or mental anguish, it depends entirely on the cause of your distress. If your emotional distress stems from physical injuries or illnesses, you will not be taxed on that settlement. If your emotional distress were related to any other factor, you would likely need to pay taxes on that amount.

Lost Wages

Your tax responsibility on lost wages can be a complicated issue. While lost wages are taxed, the actual taxes due can vary depending on your circumstances. If the lost wages you were awarded were related to your employment for another business, your lost wages recovery would be subject to social security and Medicare taxes just like your paycheck would be.

If your lost wages are related to lost profits for a trade or business, you must report any lost wages as net earnings are subject to self-employment taxes.

Interest

You are required to pay taxes on all interest payments. In fact, IRS Form 1040 provides for a section titled “Interest Income,” which is designed for this exact purpose.

Punitive Damages

Just like interest payments, any punitive damages must be reported as income on your tax return. You must report any punitive damage payments as income on the “Other Income” section of IRS Form 1040. This is the case whether the source of your claim was from personal injuries or otherwise.

For More Information, Contact Williams Elleby Howard & Easter

Regardless of the outcome of your personal injury case, the proceeds of your case will be taxed the same. If you are concerned about the possible tax implications of a personal injury settlement, your best course of action is to discuss your case with a professional. Joel Williams is an experienced personal injury attorney that can guide you through the process from beginning to end. To discuss your case, contact Williams Elleby Howard & Easter, online or at 833-LEGALGA to set up your free consultation today.

7 Ways to Maximize Your Settlement After a Back Injury 

maximize settlement back injury

Sustaining a back injury is a difficult thing to endure. There are several types of back injuries that personal injury lawyers encounter on a regular basis, such as whiplash, herniated discs, spinal cord injuries, and spondylolisthesis. No matter what type of back injury a person suffers, they are almost always serious and painful. They are also the type of injuries that tend to cause permanent disability or lingering discomfort and thus often have a lasting impact on a person’s life. 

When back injuries are caused by negligence, victims are entitled to compensation for their harm. Hiring an experienced personal injury attorney is the best way for an accident victim to ensure that they receive everything they deserve. Below are some other important things to keep in mind. 

1. Carefully Document Everything 

A claim is only as valuable as the evidence backing it up. If an allegation can’t be proven, it isn’t worth much in a court of law. This is why you should carefully document everything you can about the accident. It is a good idea following an auto accident to contact police and ask for a police report. You should also carefully document all of the medical care you receive, any expenses related to the accident, and record any work that you have missed as a result of the personal injury. 

2. Get Medical Care From a Back Injury Specialist 

It is essential in any back injury case to have detailed and thorough medical records in support of the claim. Personal injury victims need to present clear evidence that an injury was caused by the accident and not by something else. A doctor who is a back injury specialist will be able to explain with greater precision how the accident caused the injury and what the extent of damage is. The defendant is also likely to have their own medical expert testify that your injury is not as bad as you claim. It is important to have the support of someone qualified to refute this. 

3. Appreciate the Full Value of Your Claim 

When a personal injury plaintiff wins a judgment in a Georgia court, they are entitled to both “special” and “general” damages. Special damages compensate victims for both past and future medical expenses, past and future lost wages and other quantifiable financial loss. General damages compensate for the non-economic loss, like pain and suffering. Personal injury victims should carefully consider all their potential damages and consult with an attorney if they aren’t sure what their case is worth. 

4. Negotiate 

Too often victims take the first offer that is made to them because they think that is all they deserve or will be able to get. It is almost always a good idea to negotiate because insurance companies will almost always initially offer less than a claim is worth. 

5. Avoid Social Media 

One of the worst things about a back injury is how much it can impact a person’s daily life. This loss of enjoyment is a type of pain and suffering that is compensable. If a plaintiff can no longer do certain activities, for instance, they may be entitled to compensation on that basis. Savvy defense lawyers will often closely watch a plaintiffs’ social media profiles to try to find evidence that a plaintiff is exaggerating how bad their injury is. This is not always fair, because while a person may look like they are having fun and being active on social media, they may be suffering in private. The best practice is to avoid allowing a defense lawyer the opportunity to take any of your photos out of context by simply abstaining from all social media while your case is pending. 

6. File Your Claim in Time 

All civil claims must be made within a certain time period or else they will be completely barred. Under the Georgia Statute of Limitations for tort claims, personal injury lawsuits for back injuries must generally be made within two years of the date of the accident. It is important to begin pursuing compensation well in advance of this. 

7. Get Your Settlement in Writing 

Personal injury settlement agreements should always be in writing. If a settlement isn’t in writing, it may not be enforceable. Although Georgia does recognize oral agreements as valid, they can be difficult to prove. 

For More Information, Contact Williams Elleby Howard & Easter 

If you would like more information or would like to discuss your case, contact Williams Elleby Howard & Easter, by calling 833-LEGALGA today.

Is Property Damage Included in a Personal Injury Lawsuit? 

personal injury lawsuit property damage

In almost all auto accident cases, the victim has both a personal injury and a property damage claim. Under Georgia law, these are two distinct claims. A plaintiff can claim both personal injury and property damages in a single lawsuit, but the court will consider them individually rather than as one claim. 

Generally, auto accident victims will pursue personal injury and property damages separately. The biggest reason for this is that a property damage claim is much easier to resolve. It is not unusual for a settlement to be reached within a few days or weeks of an accident for a property damage claim. In the vast majority of cases, the property damage claim is resolved much quicker than the personal injury claim. 

Can Property Damage Be Included as Part of My Settlement? 

Although property claims are distinct from personal injury claims, your property damage can be considered as part of an overall settlement agreement. After all, a settlement is a private agreement between two parties and can generally include whatever terms the parties agree to. If a plaintiff has a personal injury and a property claim, it is possible to settle both in one agreement. 

Types of Damage Recoverable in a Property Damage Claim 

Property damage lawsuits are designed to compensate victims for vehicle damage, any other property damage that occurred as a result of an accident, and any costs associated with the vehicle damage. Common types of damages include: 

  • The cost of repairing or replacing the vehicle; 
  • The cost of repairing or replacing personal items that were inside the vehicle and were damaged as a result of the accident; 
  • Towing expenses if the vehicle had to be towed after the accident; 
  • Rental car expenses if the victim needed to rent a car following the accident; and 
  • The cost of repairing any other property damage that occurred as a result of the accident. 

The Statute of Limitations for Personal Injury and Property Damage Claims 

Civil lawsuits must be filed within a certain period of time under something referred to as statutes of limitations. Each state in the United States has different statute of limitations laws that establishes how long a tort victim has to bring a claim. In Georgia, personal injury and property damage claims are governed by different limitations periods. Under the Official Code of Georgia Title 9 Chapter 3 Section, auto accident victims must file a personal injury lawsuit within two years of the date of an accident and must file property damage claims within four years. 

For More Information, Contact Williams Elleby Howard & Easter, Today 

The experienced personal injury attorneys at Williams Elleby Howard & Easter, work hard to maximize compensation for personal injury victims in Georgia. Although our focus is on personal injury law, we will seek compensation for property damage as well when our clients also have property damage claims. 

Located in Kennesaw, Georgia, Williams Elleby Howard & Easter, serves clients throughout the State of Georgia in both state and federal courts. Williams Elleby Howard & Easter, is dedicated to providing thorough, accessible, and effective service to each personal injury client it serves. If you would like to learn more or would like to schedule a free case evaluation, contact Williams Elleby Howard & Easter, today by calling 833-LEGALGA.

Georgia’s Open Records Act and Its Exceptions 

Georgia open records act

Nearly 100 years ago, the great Supreme Court justice Louis Brandeis wrote “sunlight is said to be the best of disinfectants.” What he meant by this was that shining a light on the conduct of government was the best way to make sure government agencies and politicians operated honestly and properly maintained records. In keeping with this ideal, the federal government passed the Freedom of Information Act (FOIA) in 1967. “The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society.” Since this time, advocates for open government have succeeded in getting similar laws passed in all 50 states. Georgia’s version of the FOIA is called the Georgia Open Records Act and is found in The Official Code of Georgia § 50-18-70. 

These laws not only encourage government to operate as it should, but they also ensure that members of the public have access to information they deserve to have access to. Under the law, records maintained by most government agencies or private companies carrying out government functions are open to the public and subject to inspection at a reasonable time and place. This can include personal injury victims that want to get information about their accident. The justification of the Georgia Open Records Act is described in its first section: 

“The General Assembly finds and declares that the strong public policy of this state is in favor of open government; that open government is essential to a free, open, and democratic society; and that public access to public records should be encouraged to foster confidence in government and so that the public can evaluate the expenditure of public funds and the efficient and proper functioning of its institutions. The General Assembly further finds and declares that there is a strong presumption that public records should be made available for public inspection without delay. This article shall be broadly construed to allow the inspection of governmental records.” 

Exceptions 

There are a number of exceptions to the Georgia Open Records Act. In total, there are 20 exceptions that are not open for public inspection. These include medical records, confidential government information, and records of law enforcement. Georgia Uniform Motor Vehicle Accident Reports are an exception to the Georgia Open Records Act, except upon a written statement of need by the requesting party. However, the term “need” is defined broadly under the law; anyone with a personal connection to an auto accident is considered to have a legitimate need to see the accident report. 

Using Public Records in Personal Injury Cases 

The Georgia Open Records Act can be useful for plaintiffs in personal injury cases. Government records can often help to show whether a defendant or potential defendant in a case is liable. Thus, making requests under the Georgia Open Records Act is often one of the first investigatory steps to take following an accident. The law specifically says that auto accident reports are to be made available to a person that “was allegedly or actually injured by the accident.” The law also has a section that applies to anyone involved in any type of lawsuit against a government agency. It states: 

“Requests by civil litigants for records that are sought as part of or for use in any ongoing civil or administrative litigation against an agency shall be made in writing and copied to counsel of record for that agency contemporaneously with their submission to that agency. The agency shall provide, at no cost, duplicate sets of all records produced in response to the request to counsel of record for that agency unless the counsel of record for that agency elects not to receive the records.” 

For More Information, Contact Car Accident Attorney in Kennesaw 

If you or a loved one has been injured in an accident, you should consult with an experienced personal injury attorney to better understand your legal rights and options. It is crucial for accident victims to gather evidence as soon as possible following an accident. The experienced Georgia personal injury attorneys at Williams Elleby Howard & Easter, have deep knowledge of Georgia tort law, know how to thoroughly gather evidence in preparation of a personal injury lawsuit, and are dedicated to maximizing compensation for each of their clients. For more information or to discuss your case, contact Williams Elleby Howard & Easter, today to schedule a free consultation by calling 833-LEGALGA.

What Does “Total Loss” Mean Following an Accident

total loss car accident

After a serious auto accident, figuring out how to deal with a heavily damaged vehicle is not always a simple matter. In some cases, a car may be so damaged that it is not possible or feasible to have it repaired. When a vehicle is considered a “total loss,” an insurance company will not typically pay to repair it. Instead, the insurance company will pay the owner for the value of the vehicle, or in some cases, replace the vehicle with a comparable one. 

Dealing with insurance companies can be frustrating and stressful, especially if you do not understand the law. The experienced personal injury attorneys at Williams Elleby Howard & Easter, help accident victims who have suffered a personal injury with all aspects of their auto accident claims. If you would like to discuss your case, contact Williams Elleby Howard & Easter, today by calling 833-LEGALGA. 

Total Loss Insurance Claims in Georgia 

A vehicle is considered “totaled” if the cost of repairs is greater than the value that the vehicle would have after repairs. However, many insurance companies consider not only whether a vehicle is totaled, but also whether it is a “total loss.” Generally, a vehicle is considered a total loss if the cost of repairs plus the salvage value of the vehicle is greater than the value the vehicle would have after repairs. This is commonly referred to as the total loss formula. 

Cost of Repairs > Value of Repaired Vehicle = Totaled 

Cost of Repairs + Salvage Value > Value of Repaired Vehicle = Total Loss 

Some states also have laws that create a total loss threshold, which dictate when an insurance company may consider a vehicle a total loss. Most states that have laws like these hold that an insurance company may only consider a vehicle a total loss if the cost of repairs is 75-80% of the value of the repaired vehicle. However, Georgia does not have statutory or regulatory total loss threshold. Insurance companies are free to make this determination on their own based their own total loss thresholds or the total loss formula. Therefore, whether a vehicle is considered a total loss following an accident depends not just on the extent of the damage, but also on the insurance company. 

Total loss vehicle claims are governed by the Title 120 Chapter 2 Section 52.06 of the Official Code of Georgia. Under this law, “if the insurer determines the insured vehicle to be a total loss, and the insurance policy provides for the adjustment and settlement of first party vehicle claims on the basis of actual cash value or replacement, the insurer may elect to pay a cash equivalent settlement or replace the insured vehicle.” 

What Do I Do if the Insurance Company Says My Vehicle is a Total Loss 

If you have been in an accident and your insurance company has declared that your vehicle is a total loss, you should be prepared for the fact that you will only receive the fair market value of the vehicle. Georgia states that the fair market value is whatever it would cost “to purchase a comparable automobile by the same manufacturer, same model year, with similar body style, similar options and mileage, including all applicable taxes, license fees and other fees incident to the transfer of ownership of a comparable automobile.” By law, insurance companies are able to come up with this cost by simply finding comparable vehicles in the area that are for sale, or by consulting with the Kelley Blue Book (or a similar accepted source) valuation for a vehicle. 

Insurance companies also have the option of providing an insured with a comparable replacement vehicle. The law states that “the insurer may elect to replace the insured vehicle, including all applicable taxes, license fees, and other fees necessary to transfer ownership.” However, an insured is under no obligation to accept an offered replacement vehicle. If a replacement vehicle is rejected, the insured gets the cash value. 

For More Information, Contact Williams Elleby Howard & Easter, Today 

Williams Elleby Howard & Easter, is dedicated to helping accident victims get the compensation they deserve. The personal injury attorneys at Williams Elleby Howard & Easter, understand how stressful motor vehicle accidents can be for victims and their families. That is why they work hard to provide thorough, compassionate, and effective service to each of their clients. If you have been in an accident and would like to discuss your case, contact Williams Elleby Howard & Easter, today by calling 833-LEGALGA.

Georgia’s “Move Over” Law: What You Need to Know

Georgia move over law

Most of us know that when a police car, fire truck, or ambulance is traveling down the road with sirens blaring, the law requires us to slow down, yield the right of way, and move over to the shoulder of the road if possible. Upon the approach of an authorized emergency vehicle or police vehicle that is making use of its siren, all other drivers must:

Yield the right of way and shall immediately drive to a position parallel to, and as close as possible to, the right-hand edge or curb of the roadway clear of any intersection and shall stop and remain in such position until the authorized emergency vehicle or law enforcement vehicle has passed, except when otherwise directed by a police officer.

However, fewer people understand that they are also required to leave plenty of room when passing by police or emergency vehicles that are parked on the side of the road. This duty is defined by Georgia’s “Move Over” law, which is found in Title 40 Chapter 6 Section 16 of the Official Code of Georgia. A recent report by Atlanta news station CBS 46 found that many drivers were completely unaware that this law even existed. Below is the essential information about Georgia’s Move Over law that every Georgia driver should know.

WHAT THE MOVE OVER LAW SAYS

Georgia’s Move Over law states that when a driver approaches a stationary police, emergency, accident recovery, or Department of Transportation vehicle that is displaying flashing lights, the driver shall approach “with due caution” and unless otherwise directed by a peace officer:

(1) Make a lane change into a lane not adjacent to the authorized emergency vehicle if possible in the existing safety and traffic conditions; or

(2) If a lane change would be impossible, illegal, or unsafe, reduce the speed of the motor vehicle to a reasonable and proper speed for the existing road and traffic conditions, which speed shall be less than the posted speed limit, and be prepared to stop.

Therefore, the first course of action should always be to change lanes. If this can be accomplished safely, a driver need not necessarily slow down as long as they are otherwise driving safely. If changing lanes isn’t possible or would be illegal or unsafe, a driver must slow down to below the posted speed limit.

CONSEQUENCES FOR VIOLATING THE MOVE OVER LAW

The Move Over law is intended to keep roadside emergency crew and law enforcement personnel safe from passing motorists. Accidents, especially those that cause fatalities, are the most serious consequences. According to the Governor’s Office of Highway Safety (GOHS), before the law was passed in 2003, “Georgia road crews, traffic enforcement officers, and other first responders endured needless years of roadside deaths and injuries due to careless errors made by distracted drivers as they sped by police making traffic stops and emergency crews working roadside jobsites.” Although the law has made things much safer, the GOHS has stated that violations are “still far too common.”

The Move Over law authorizes a penalty of up to $500 for violators. However, if an accident occurs, the legal consequences of violating the Move Over law can be much more serious. Additional charges, such as reckless driving, are common in these types of cases, and of course charges could be much more serious if a police officer or emergency crew member is struck. Moreover, in the event that there is a civil lawsuit for damages, a driver violating the law may be presumed negligent. This is referred to as negligence per se, and when this doctrine applies it is much easier for a plaintiff to win a claim against a defendant.

FOR MORE INFORMATION, CONTACT WILLIAMS ELLEBY HOWARD & EASTER, TODAY

Staying safe should always be the number one priority when getting behind the wheel. To this end, all Georgia drivers have a duty to operate their vehicles with reasonable care, which includes adhering to Georgia’s rules of the road. Everyone has a duty to operate their vehicles with reasonable care, but many people make unsafe mistakes simply because they don’t know what their duty is in a given situation. This is why knowing the law is essential to driver safety. When accidents do occur, it is also imperative for all parties involved to be aware of their legal rights and options.

The Kennesaw personal injury attorneys at Williams Elleby Howard & Easter, have deep knowledge of Georgia traffic accident laws. They provide thorough, accessible, and effective service to each of their clients, with the goal of maximizing compensation in each case. Williams Elleby Howard & Easter, offers free case evaluations and accepts cases on a contingency-fee basis. If you would like more information, or if you have been in an accident and would like to discuss your case, contact Williams Elleby Howard & Easter, today by calling 404-389-1035.