Legal Definition Under Georgia State Law SR-22 insurance is actually a Certificate of Financial Responsibility (CFR) form. It is issued by your insurance company. The Department of Motor Vehicles (DMV or MVD) may require it to verify that you have auto insurance liability coverage. Who Needs a SR-22 Insurance or CFR? If you need a …
Georgia actually doesn’t have a formal legal definition of total loss in car accident cases. However, insurance companies use this term regularly to determine whether they will repair or replace a vehicle. When a car is a total loss, most insurance companies will pay you the car’s replacement value. A car accident lawyer can help you factor …
Compulsory medical examinations are an extreme step, and one you should avoid if possible, but they are sometimes needed in order to resolve an injury claim. And, because of Georgia’s state laws for workers compensation claims, this is especially true when workers are hurt. How are compulsory medical examinations done? A compulsory medical examination is …
Normally, when you purchase an insurance policy, you are paying the insurer to provide protection in the event of certain types of catastrophes. The insurer is bound by Georgia state law to hold up their end of the deal. However, insurers make more money when they deny claims, and they wield substantial authority in “investigating” …
First party benefits are easiest to understand in the context of what they are not. First party benefits are paid to you or your family by your insurance company—not by the other driver or other passengers. Benefits paid to other people outside of your family are second-party insurance benefits. Traditional liability coverage is a second-party …
A deductible is often in the range of $250 to $1,000 in auto insurance coverage. That means that you have to have at least that minimum amount of damages before your insurance will apply and pay for anything. Generally, if you have a higher deductible, then your monthly insurance premiums will be lower. What are …
The insurance company that provides coverage is commonly referred to as the “insurer” in personal injury and property damage cases. This term encompasses anyone who works for or on behalf of the insurance company, including insurance adjusters and claims representatives. But, it generally will not include the attorney representing the insurance company. Who are the …
The term “indemnity” was traditionally used to refer to an amount of compensation that must be paid from one person or entity to another as compensation. It was used as a sum exacted by the winner of war as one of the many conditions of peace. What does indemnity really mean? To “indemnify” someone means …
Legal Definition Under Georgia State Law Property damage liability insurance pays for damage to someone else’s car that you cause, up to the policy limits. It will also often cover property located in the vehicle as well, not just the car itself. You are required to carry a minimum of $25,000 in property damage liability …
Legal Definition Under Georgia State Law Bodily injury liability insurance pays for bodily injuries after a car accident. Because it is liability insurance, it applies to the other driver or passengers, not the individuals who are in your car. You must have a minimum amount of bodily injury liability insurance in Georgia—$25,000 for each person …
Insurance is a broad term that applies to any agreement where you can get money or benefits for your losses. The losses must meet particular qualifications. Most insurance contracts have provisions about: The timing of a loss The type of damage (such as a collision in the case of an auto insurance or hail damage …
Georgia is a fault state. That means that the driver who caused the accident should pay for all of the injuries or damage that the accident caused. To ensure that a driver has money to pay these losses, every driver in Georgia must have automobile liability insurance. If a driver doesn’t have this type of …
Georgia law specifically defines the term “adjuster” because various laws apply directly to adjusters. It heavily regulates how adjusters do their jobs, which is good for you (the injury victim)—but it can make insurance claims very complex. Who can become an adjuster in Georgia? In Georgia, insurance adjusters must be licensed before they can work …
Insurance companies can pay you for the loss of your vehicle in a couple of ways. One of the most common is the “actual cash value.” This is the preferred method for most insurance companies, so it’s pretty standard. It is the dollar amount that you would have received if you sold your vehicle in …
SSDI is part of the federal government’s Social Security program. It is available to almost all workers in the United States. However, to qualify for benefits, you must be able to prove two things: You are unable to work because of a medical condition, and will remain unable to work long-term. You have sufficient history …
Georgia law requires that all vehicle owners carry a minimum amount of liability insurance. Unfortunately, not everyone follows the law and buys this insurance, and some people let it lapse, meaning they aren’t covered. In other cases, the person does have insurance, but the total coverage they bought isn’t enough to cover all of your …
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