At some point in our lives, most of us will borrow a friend or family member’s car. And, we’ll all probably loan someone our car at some point. It’s what friends and neighbors do. The last thing we really worry about is our friend getting into an accident while in our car. But, what if they do? Will the accident be covered under the owner’s Georgia car insurance policy? And, if it isn’t, what are the accident victims supposed to do?
These are questions that plague a lot of car accident victims in Georgia. If your hurt in an accident, you’re going to want the other driver to pay. They should be responsible for things like:
- Your medical bills – This includes things like the ambulance ride, hospital bills and prescriptions. But it also covers future medical bills. You may find out that you’re going to need additional surgeries down the road. Or you may be told that you’ll need to see a physical therapist or chiropractor for months or years. The defendant should have to pay for these expenses
- Property Damage – Chances are, if you’re involved in a car crash, your car is going to be damaged. It may even be destroyed. This means you’ll have to pay to get your car fixed or replaced. Why should you be left holding the bag for these costs? If the other driver caused the accident, they should have to take care of these things.
- Lost Wages – If you get seriously hurt, you’re going to miss a lot of time from work. Some of this may be covered by sick and personal time. But what if it’s not? The defendant or their insurance company needs to pay you for any missed time. The same is true for future lost earnings. If you’re unable to work or do the same kind of work after the accident, the other party should be held responsible.
- Pain and Suffering – Not all car accident victims are entitled to pain and suffering. Your Columbus car accident lawyer will have to show that you suffered extreme pain and emotional suffering. The defendant needs to be held accountable for these things.
If you’ve been injured in a car wreck, an experienced Columbus, Georgia crash attorney can help get you the compensation you deserve.
Georgia Car Insurance Follows the Car – Not the Driver
The good news is that, in Georgia, and most other states, the insurance covers the car, not the driver. This makes sense if you think about it. If someone is paying for coverage on their vehicle, then any damages caused by an accident in which the car is involved should be covered.
When you get a new Georgia car insurance policy, their main concern is what kind of car will be covered. Yes, they want to know your driving history. if you’re a terrible driver and will have all sorts of claims filed, they may not want to cover you. Or, they’ll charge you a higher rate. But they typically don’t ask who may possibly ever drive your car.
Now, there are situations in which an insurance company will not, and should not, cover a claim. For example, if someone steals your car and gets into an accident, the insurance company isn’t going to pay the claim. In situations like this, the plaintiff will have two choices. First, they can file a personal injury lawsuit against the driver. Or, they can file a claim under their own uninsured motorists’ policy. Thankfully, this isn’t something you’ll probably have to worry about. And, even if you do, your Columbus car accident attorney will handle this for you.
Contact an Experienced Car Accident Lawyer in Columbus, Georgia
If you’re hurt in any sort of car accident, you really should call a lawyer. An experienced car accident law firm in Columbus, Georgia will fight to get you the damages you deserve. They can also reassure you that the other driver will be held responsible for your damages. Even if the person driving didn’t own the car, Georgia car insurance still should cover your expenses.
Call today and schedule your free initial consultation. You can sit down with a skilled car accident lawyer in Georgia who will answer any questions you might have. They can also review your case and give you an idea of what your case may be worth. They’ll reach out to the insurance adjuster and try to negotiate a settlement of your case. The bottom line is they’ll fight to get you the money you deserve.
Schedule your first appointment today. And remember – you pay nothing until you settle your case.