Injury Claims and Insurance

If you were in a crash, start with what to do after a crash, then car accidents or truck accidents. Then read how claims work and dealing with insurance.

• Alabama Contributory Negligence — Alabama Contributory Negligence

  In many Alabama ordinary-negligence cases, contributory negligence can bar recovery if the injured person is found to have contributed to the injury. Whether the defense applies depends on the facts and the legal theory involved.

• Claims Against the Government — Claims Against the Government

  Claims involving a city, county, state agency, or the federal government can be subject to special notice requirements, immunity rules, and procedures that do not apply to an ordinary private-party injury claim. Those requirements can begin before a lawsuit is filed, so prompt legal review is important.

• Dealing With Insurance After an Injury — Dealing With Insurance After an Injury

  You usually must cooperate with your own insurer. The other company’s adjuster does not work for you. Recorded statements, medical authorizations, and early settlement offers can affect the claim. Get advice before you guess about fault or future medical care.

• Evidence in Injury Claims — Evidence in Injury Claims

  Evidence is how you show what happened and how you were hurt. Photos, reports, medical records, and witnesses are the usual core. Some evidence, like store video, is overwritten on a short cycle. Ask for it promptly.

• Georgia Modified Comparative Fault — Georgia Modified Comparative Fault

  Georgia uses modified comparative fault. If the injured person is found partly at fault, recoverable damages are reduced in proportion to that share of fault. If the injured person is 50 percent or more at fault, O.C.G.A. § 51-12-33 generally bars recovery.

• How Personal Injury Claims Work — How Personal Injury Claims Work

  Most injury claims follow a path: medical care, a record of what happened, notice to insurers, investigation, and either settlement or a lawsuit. Your path can skip steps or stall. Nothing here is a promise that a claim will be paid.

• Injury Claims Involving Children — Injury Claims Involving Children

  When a child is injured, the legal claim and settlement process can involve protections and procedures that do not apply to an adult’s claim. Depending on the state and the circumstances, court approval or other legal steps may be required before a settlement is final.

• Medical Bills and Lost Wages — Medical Bills and Lost Wages

  Medical expenses and lost income are economic damages when they can be proven and tied to the injury. Health insurance, write-offs, liens, and other payment issues can affect what is owed and what may be recoverable. Pay stubs, employer records, tax records, and other documentation may support a lost-income claim.

• Pain and Suffering in Injury Claims — Pain and Suffering in Injury Claims

  Pain and suffering refers to non-economic harm such as physical pain, limitations, and loss of enjoyment of life. These damages are evaluated from the facts of the case, including the nature of the injury, treatment, recovery, and effect on daily life.

• Settlement vs. Lawsuit — Settlement vs. Lawsuit

  A settlement is an agreement that resolves the claim in exchange for a release or other agreed terms. A lawsuit asks a court to resolve the dispute when the parties do not agree. Many claims resolve without a trial, but filing a lawsuit may sometimes be necessary to protect the claim or resolve disputed issues.

• Uninsured and Underinsured Motorists — Uninsured and Underinsured Motorists

  UM/UIM coverage may apply when an at-fault driver has no insurance, insufficient insurance, or in certain hit-and-run situations. Whether coverage is available depends on the policy, any valid rejection or coverage selection, and applicable state law. Prompt notice to the insurer may also be important.

• What to Do After a Crash — What to Do After a Crash

  After a crash, focus first on safety and medical needs. When possible, preserve basic information such as photographs, witness names, insurance details, and the crash-report number. Seek medical attention if you may be injured or develop symptoms, and be careful about giving recorded statements or signing releases before you understand their effect.

We review what happened, gather records, and deal with insurers so you can focus on care. If there is no recovery, you do not owe attorney fees or case costs. Call or request a free consultation.