In 2020, vehicle accidents accounted for the second most hospitalizations and emergency department visits in Georgia. Automobile accidents also caused the second most injury-related deaths in the state that same year.
It may surprise you to know that most drivers don’t understand auto insurance very well. Unfortunately, what you don’t know could result in an unfair insurance settlement. Swapping out myths for facts can help you get what you deserve. Let’s look at some common myths — and the facts.
Claims only cover property damage
Many people believe auto insurance only exists to pay for damaged or lost property, like your vehicle and its contents. In truth, an auto insurance claim should yield compensation for crash injuries and property damage.
You must file on the same day as the crash
The law does not require you to file your accident claim immediately after your crash. You can wait a few days to help ensure that you understand and account for your injuries and their effects.
Take the offer or lose out
Insurers provide valuable services, but they may make unfairly low settlement offers to those injured in car crashes. Fortunately, you can reject lowball offers and fight for fair compensation without compromising your claim.
Myth: Pain and suffering are pure fiction
Noneconomic damages, or pain and suffering, exist in the real world, and most states allow this additional form of injury compensation. Those who suffer serious physical or mental harm may qualify for a pain and suffering award.
All states have the same laws
Each state has unique comparative negligence laws, although they may look similar from place to place. For example, Georgia allows you to recover compensation if you are less than 50% at fault for the crash.
Consider learning more about auto accident claims before you file yours. You can probably feel better about your claim knowing you have done everything possible to protect your compensation.