Will My Settlement Cover Everything?

A car accident settlement usually comes via mail with little communication between the insured and the insurance company. The insurance company should take care of all the negotiations, and the other company involves simply makes a payout. The issues are that neither of these companies or one, if there’s only one involved, have your best interest as a motivator.

In fact, it is often better for both companies to make minimal payouts, and that means drivers frequently don’t get settlements that cover their expenses. Far beyond making the deductible payment, a settlement should cover all of your medical needs and more. A car wreck attorney in Atlanta can help make sure you get the most out of your settlement.

Property Damage

Property damage should include the damage to the vehicle as well as the damage to anything of value inside the car. Although most people don’t include these in their claim, they can include phones, other electronic devices, car seats, and anything in the trunk that can no longer be used. For example, if you have a full-size replacement tire in the case of a flat that was damaged in the crash, then you can list that on your claim as well.

When going through property damage, try to include everything that was lost as a result of the accident. Take pictures of damaged electronics and provide lists or receipts of their value or the cost to replace them. Phones, for example, may be valued at $1,000, but your provider may only require $30 to $200 to replace. In that instance, you would list the replacement cost, not the value of the device.

Property damage is separate from personal injury, although when handling claims through insurance, it’s likely that both will pair up on a claim.

Medical Bills and Expenses

Any injury that arises from a car accident should fall under insurance coverage for treatment. Everything from the ambulance ride, to the rehabilitation needed after surgery or medical intervention, can fall under coverage. However, it’s critical to know that there are caps in place.

In Georgia, the required minimum insurance coverage is $25,000 for bodily injury. If the person who hit you had this amount of coverage, it might not cover all of your medical expenses. For example, if you have $35,000 in surgery expenses alone, you would be at least $10,000 in medical debt after receiving the maximum compensation.

However, there is the opportunity to pursue the remainder of your expenses from your insurance coverage. If you have comprehensive coverage, then you can max out your compensation from the other driver and then go through your own insurance. However, it’s important to note that your policy won’t cover things like pain and suffering or emotional trauma.

Pain and Suffering

Pain and suffering is something that you can add to your demand for compensation. Essentially you’re saying that this wreck caused more than property or physical damage. That it left you with trauma or a life change that impacts you daily and with extreme pain.

These pain and suffering can include anything from emotional or mental health issues. These injuries can include grief, or even fear about driving or being near vehicles again. These fears can become so severe that they are debilitating, leading to people not leaving their homes or having to go through months of therapy to confront these issues.

Pain and suffering will frequently become part of a settlement demand, but that doesn’t mean that anyone has to consider it. The insurance company involved could easily look at the demand and refuse everything from the pain and suffering portion. It’s during negotiations and fighting for fair settlement amounts that you can recover some of your pain and suffering damages.

It’s clear that even with some portion attributed to pain and suffering, you may still not recover everything from your crash. You could be left with thousands of dollars in property damages, and tens of thousands in medical debt.

An Attorney Can Help Get More for Your Car Accident Settlement

Not every car accident claim requires a car accident attorney. But, there are times when the victim of the crash needs a good car accident law firm to fight for medical coverage and pain and suffering. These two factors of the compensation request or demand make up a substantial portion. The economic damages of a crash can cause people or whole families to fall into financial ruin.

The Weinstein Firm offers legal guidance or aid to the car accident victims in Atlanta, GA, and throughout the surrounding areas. Our team of attorneys has varying degrees of experience, and skill but all are capable of fighting for the car accident settlement you need to recover financially after your crash.

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