If you or a loved one has been injured in a car accident in Georgia, personal injury protection (PIP) insurance may help cover your expenses. The Savannah car accident attorneys at Roden Law can help you obtain the maximum compensation from your PIP claim so you can get your life back on track.
Our skilled team has years of experience representing clients before insurance companies and helping them recover fair compensation. We can help you manage the details of your claim and will not settle for less than what you are owed. Schedule a free consultation today to learn how we can help you with your claim.
Call us today to get started: 1-844-RESULTS
What Is Georgia PIP Insurance?
In Georgia, the at-fault party is liable for the damages and costs he or she causes in an accident. Therefore, Georgia drivers are required by law to have basic liability insurance to cover the injuries and damages they cause to others in an accident, including a minimum of:
- $25,000 bodily injury coverage per person
- $50,000 total bodily injury coverage per accident
- $25,000 total property damage coverage per accident
Georgia PIP insurance, which will pay for injuries to the policy holder and his or her passengers regardless of who was at fault for the collision. This type of coverage can help pay for:
- Medical expenses
- Pain and suffering
- Physical therapy
- Occupational therapy
- Death benefits
- Lost wages
- Work-related losses
Because PIP insurance is a type of no-fault insurance, policy holders can obtain compensation through their PIP policy for injuries resulting from:
- Accidents they cause
- Hit-and-run accidents
- Accidents with uninsured or underinsured motorists
This is especially valuable because Georgia uses modified comparative negligence to determine liability for an accident and the compensation that will be awarded. Those who are more than 50 percent at fault for their injuries are not entitled to compensation, while those who are less than 50 percent at fault will have their compensation award reduced by their percentage of fault, as outlined in O.C.G.A. § 51-12-33. PIP insurance provides full compensation even if you were at fault for the accident.
Your policy explains what is owed to you in case of an accident, and we can help you obtain the correct amount. Insurance policies can be complicated, but a trusted attorney at Roden Law can help you determine the compensation you need to help pay for your injuries.
We charge no upfront fees, and we work on contingency – so we only get paid if you get paid. There is no risk to you to talk to us about your case. Contact us today to learn how we can help you with your case.
Fill out our Free Case Evaluation form today.
Georgia PIP Insurance vs. Med Pay
Similar to Georgia PIP insurance, medical payments (Med Pay) coverage is also a type of no-fault insurance that is offered as optional coverage for Georgia motorists. However, there are distinct differences between the two coverages.
O.C.G.A. § 33-34-2 states that Med Pay coverage includes reimbursement for necessary medical expenses and funeral expenses incurred from an injury or death from a car accident regardless of who was at fault for the collision.
This coverage is typically not as expansive as PIP insurance because it only covers reasonable medical expenses and death benefits that are incurred within three years of the accident. It does not include other expenses that are often incurred because of an injury, such as lost wages.
Med Pay covers the policy holder, his or her spouse and relatives who live with him or her, and others legally in the covered vehicle. However, Med Pay only applies to accidents involving the vehicle covered by the policy. For example, if you have purchased Med Pay for your vehicle but are injured in an accident involving a friend’s vehicle, your Med Pay will not apply and you will only be covered by the coverage your friend has on his or her vehicle.
Additionally, Med Pay does not limit your ability to sue for damages from the other party involved in the accident. However, if you receive a settlement or verdict from a lawsuit that fully compensates you for all of your losses from the accident, O.C.G.A. § 33-24-56.1(b) states that the coverage provided by your Med Pay will need to be paid back to the insurer.
The legal team at Roden Law can evaluate your insurance policy to determine the coverage you have and the compensation you should be owed. Contact us today to see how we can help.
Talk to a member of our legal team now by calling 1-844-RESULTS.
Why Do I Need an Attorney for a Georgia PIP Insurance Claim?
Dealing with an insurance company following a car accident can be a complicated process. Even if you are filing a PIP claim against your own insurance company, it is important to remember that the adjuster is not on your side. He or she is only interested in what is best for the company, which is paying as little as possible for your claim.
The insurance company may try to pressure you into a quick settlement, which can be costly, because you may not know the extent of your injuries for some time after the accident. A trusted lawyer will work with you and the insurance company to help ensure your claim is not resolved until your injuries are fully understood and your settlement covers the full extent of your injuries up to your policy limit.
If your injuries are extensive and PIP insurance coverage is not enough to cover your bills, we will discuss your legal options for obtaining the additional compensation you need. The experienced team at Roden Law has years of success in obtaining compensation for our clients, and we can put our success to work on your behalf.
We will handle all of the details of your claim for you, including helping you fill out the paperwork and communicating with the insurance company on your behalf. We will do all of the negotiating for you so you can focus on getting your life back to normal again.
We charge no upfront fees, and you do not pay us anything unless we are able to help you get compensation. Contact us today to find out how we can help you.
Contact a Car Accident Lawyer Today
You have Georgia PIP insurance to help pay for your personal injury expenses regardless of the circumstances of your accident. The insurance company may attempt to get you to agree to settle quickly after an accident, so it is in your best interest to hire a knowledgeable attorney who will fight for your right to maximum compensation.
A trustworthy lawyer can help you get the compensation that is owed to you from your PIP policy. At Roden Law, we charge no upfront costs, and there are no fees unless we are able to help you obtain compensation. So there is no risk to you.
Contact our caring team today to see what we can do for you.