No. Drunk drivers are usually at fault, but not always. And insurance companies will use this to try to avoid paying victims where possible. Below we’ll look at why this is possible from a legal perspective, what it looks like in a real accident, and your options as the victim. Breaking a Law vs. Being … Read More »
After an accident, a car is worth less than it was before the accident happened. This is true even if your car has been repaired perfectly. The value of your car after an accident is based on its “fair market value,” or what you could sell it for, in your area, in its current condition. … Read More »
After an accident, a car is “totaled” if repairs will cost more than the car is worth. If your car is totaled, the insurance company will pay you whatever your car was worth before the accident occurred. If you are making a claim on your own insurance policy, your payment will be reduced by the … Read More »
The driver who is found to be “at fault” is responsible for all the property damage and injuries from the accident. If you are at fault and you have insurance coverage, your insurance company will pay, up to the limits of your policy. In Georgia, it is possible for more than one person to … Read More »
Auto insurance follows the car, not the driver, so if you let a friend or relative drive your car and they get in an accident that’s their fault, your insurance policy is the primary policy. Your friend’s auto insurance will provide secondary coverage. Finding out that someone else was in an accident with your … Read More »
You aren’t required to report an accident to the DMV in Georgia, but you must report an accident to the police if there is a fatality, injury, or more than $500 in property damage. If you don’t report an accident to the police and to the insurance company, you risk losing insurance coverage for the … Read More »
