Atlanta's car accident attorney, Nathan Fitzpatrick, is a leading Atlanta personal injury lawyer. Specializing in motor vehicle accidents and car crashes, he's a trusted auto accident lawyer among Atlanta car accident lawyers.

What Is The Average Settlement For Car Accidents in Georgia? How Much You Can Really Expect if You Hire a Professional Attorney

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Hundreds of thousands of motorists travel into Atlanta daily for work, education, and leisure activities. Major highways cut through the city's core, resulting in millions of people passing through Atlanta and Fulton County as they travel to and from various regions of the country. And…don’t even get us started on “Spaghetti Junction,” a notorious maze of intersecting highways and ramps that challenges even the most seasoned drivers. With all these vehicles and congestion, it’s not surprising that traffic accidents frequently occur in and around the city. 

If you've been injured in a car accident that was someone else's fault, you have the right to seek damages. This legal entitlement allows you to recover compensation for medical bills, lost wages, property damage, and the pain and suffering you've experienced. 

What Exactly is an Auto Accident Settlement? An Overview

average settlement for car accident in georgia

One of the questions our Atlanta personal injury lawyers are asked most often is, "How much is my car accident claim worth?" That’s a good question that we’ll delve more deeply into here. To help you better understand what your case is worth and how much you can expect, the auto accident lawyers at The Fitzpatrick firm are breaking down the factors that determine the average settlement for a car accident in Georgia.

An auto accident settlement is a legal resolution reached between the parties involved in a car accident, often with the assistance of their insurance companies or a car accident lawyer. Instead of enduring a lengthy and expensive trial, the parties agree to settle their financial disputes through negotiation. 

Average Georgia Car Accident Settlement Amounts: Baseline of How Much You Can Expect to be Paid

This settlement usually involves the at-fault party, or their insurance company, agreeing to pay a specified amount to the other party to cover the damages incurred. This agreement helps both parties avoid the uncertainty and costs associated with courtroom litigation.

According to the Insurance Information Institute, the average auto accident settlement in 2019 was just over $18,000. However, medical expenses and other factors all determine the amount an injury victim will receive.

For car accidents resulting in traumatic brain injuries, spinal damage, or long-lasting injuries, the medical expenses and pain and suffering damages will be higher. Thus, settlements for severe injuries often begin at $50,000 and may range up to $200,000 or more.

A minor collision resulting in minimal property damage and minor injuries, like soft tissue injuries or whiplash, will typically receive as low as $2,500 up to $25,000.

For car accidents resulting in traumatic brain injuries, spinal damage, or long-lasting injuries, the medical expenses and pain and suffering damages will be higher. Thus, settlements for severe injuries often begin at $50,000 and may range up to $200,000 or more.

Wrongful death in Georgia car accident cases often warrants the highest settlement offer. It’s not uncommon for loved ones to receive up to $1 million or more, depending on the circumstances of the case.

The Key Players in the Georgia Car Accident Settlement Process

Several parties can be involved in a car accident settlement in Georgia, each playing a critical role in reaching a resolution. Here’s a list of the key players you will likely encounter while your claim is settled:

These professionals are skilled at negotiation and litigation. They make sure their clients receive the best possible settlement possible. They assist with gathering evidence and representing the victim if the claim goes to trial.

Adjusters are representatives from insurance companies who evaluate the extent of the damage and determine the settlement amount the insurance company should offer.

The individual who has suffered harm, whether physical injury or property damage, due to the accident and is seeking compensation.

Doctors, therapists, and other healthcare providers who treat the victim. Their reports and testimonies are crucial in determining the extent of injuries and the required compensation.

Individuals who were present during the accident and can provide testimonies or accounts of what they observed.

The party alleged to be at fault for the accident, which could be another driver, the owner of the vehicle, or even a company if a commercial vehicle was involved.

Professionals who analyze the details of the accident to determine how it occurred and who was at fault, using tools and techniques such as computer simulations.

A lawyer representing the defendant, particularly if the defendant’s insurance company anticipates the claim might go to trial.

Other players you may see when negotiating a car settlement in Georgia include investigators or private investigators who are often hired to gather additional information about the accident, especially in complex cases or when there is suspicion of fraud. 

Additionally, Economists or financial experts are called upon in cases with significant long-term financial implications, such as loss of future earnings, to provide calculations and projections. 

Lastly, mediators are neutral third parties who facilitate negotiations between both sides to help reach an agreement, particularly when initial negotiations do not result in a settlement. 

Involvement in a Lawsuit: Players Who Determine the Outcome

If the car accident claim escalates to a lawsuit, additional parties may become involved, including:

Oversees the legal proceedings, ensuring that the trial is conducted fairly and according to the law.

In cases that go to trial, a jury may be selected to hear the case and determine the outcome based on the evidence presented.

Document the proceedings of the trial, providing a written record of everything that is said in court.

In addition to accident reconstruction experts and medical professionals, other expert witnesses may be called to testify on specialized aspects of the case.

How Do Insurance Adjusters and Lawyers Determine Car Accident Settlement Payouts?

Understanding how car accident settlement payouts work can help you navigate the process and ensure you receive fair compensation. Your payout will depend on how you go about collecting compensation and the specific terms of your settlement agreement.

Lump Sum vs. Structured Payments and How You Are Compensated

When dealing with an insurance company following an accident, you may be offered compensation in one of two ways: a single lump sum or a structured payment plan.

In a lump sum payment, you receive the entire settlement amount at once. This method provides immediate access to funds but requires careful financial management to ensure the money lasts as long as needed.

A structured payment plan disperses the settlement amount gradually over a period of time. This method ensures a steady income stream but may limit access to large sums for immediate expenses.

Finality of Settlement Agreements and What it Means

It's important to understand that once you agree to a settlement with an insurance company, the terms cannot be changed later. This finality means that you must be confident in the adequacy of the settlement amount before accepting it.

Insurance companies aim to minimize payouts and may initially offer a low settlement. It’s essential to carefully evaluate any offer and negotiate for a fair amount.

Settling a car accident claim can take months or even years. Patience and persistence are crucial during this period to ensure you receive appropriate compensation.

It can’t be stressed enough that hiring an experienced personal injury attorney can significantly impact the outcome of your settlement.

Types Of Damages In A Car Accident Case

If a car accident claim goes before a jury, and they find in favor of the accident victims, they will award compensation based on both economic and non-economic damages.

Economic damages refer to the actual costs accrued due to the car accident. This includes:

    • Medical bills already accrued from the injury, including time spent in the hospital and other medical treatment.

    • Future medical costs, such as ongoing physical therapy or the need for medical or mobility devices.

    • Lost wages, including those already lost from being unable to work, and also future impacts on earning potential.

    • Property damage to recover the cost of the vehicle damaged in the collision.

Typically, the higher the economic impact, the more likely an insurance company will pay a higher settlement or a jury will award a larger amount. An experienced personal injury attorney will investigate the case thoroughly to determine the economic impact related to both current and future damages. Using this information, your attorney will fight for a fair settlement offer in the case.

Non-economic damages refer to the pain and suffering that accident victims experience. A jury can determine a monetary value for these intangible factors, including:

    • Loss of quality of life for the victim

    • Loss of consortium (spouse seeks compensation for marital quality of losses)

    • Loss of companionship in the event of wrongful death.

    • Emotional trauma

Laws governing civil litigation are known as torts. And tort actions of exemplary damages, better known as punitive damages, are sometimes awarded in personal injury lawsuits to victims in special circumstances. They are additional damages beyond those incurred by the plaintiff.

These special damages are not to compensate the victim. Instead, they serve as a type of punishment for the plaintiff in a civil case and also serve to dissuade.

They are only awarded to the plaintiff at the court’s discretion when the defendant’s behavior is found to be particularly egregious or harmful. For car accident claims, exemplary damages are more often awarded in drunk driving cases, hit-and-run accidents, or severe instances of negligence.

What are Georgia Caps on Auto Accident Damages?

Unlike some states, Georgia's personal injury laws do not cap the amount of money an individual can recover in economic or non-economic damages. However, punitive damages are capped under certain conditions.

Understanding What Factors Constitute Damage Caps

Georgia has specific rules and exceptions regarding damage caps. It’s crucial to understand how these limits might apply to your case.

Economic vs. Non-Economic Damages

Georgia law has no cap or limit on economic or non-economic damages in personal injury cases. This allows victims to recover full compensation for medical expenses, lost wages, and pain and suffering.

Limitations on Punitive Damages

While economic and non-economic damages are not capped, punitive damages, which are meant to punish particularly harmful behavior, do have limitations. These caps are designed to balance punishment with fairness.

For most cases, there is a $250,000 cap on punitive damages. This cap is intended to punish particularly harmful behavior without resulting in excessively high awards.

Bear in mind that punitive damages can be one of the most challenging awards to obtain. Your odds of winning punitive damages increase with the legal assistance of a well-versed professional attorney in this specialized area.

A finding of specific intent to cause harm or a defendant being intoxicated at the time of the accident removes the cap on punitive damages. In such cases, there is no limit to the amount that can be awarded.

What Factors Determine the Average Cash Value of a Typical Georgia Car Accident Claim?

The primary factor that determines how much you are likely to get in a car accident settlement is the extent and severity of your injuries. For example, a severe spinal injury or badly herniated disc is more likely to result in a larger settlement than minor injuries, such as a broken ankle, that are expected to heal and lead to minimal long-term impact. Understanding these factors can help you estimate the typical car accident settlement value in Georgia.

Common car accident injuries include:

The primary factor that determines how much you are likely to get in a car accident settlement is the extent and severity of your injuries. For example, a severe spinal injury or badly herniated disc is more likely to result in a larger settlement than minor injuries, such as a broken ankle, that are expected to heal and lead to minimal long-term impact.

Common car accident injuries include:

    • Traumatic brain injury (TBI)

    • Spinal cord injury

    • Neck injuries, including whiplash

    • Soft tissue injuries, including torn cartilage or serious bruising

    • Broken bones

    • Abrasions that may result in scarring

An experienced car accident lawyer will analyze your medical reports and work with medical experts to determine the severity of your injuries to determine the baseline of your claim.

When a car accident leads to injuries that require intensive medical treatment or the need for long-term medical care, such as physical therapy or assisted living, the medical bills are likely to be significant and the victim is less likely to return to work, resulting in a loss of income. The key factors involved in the economic impact include:

    • Injuries that require intensive medical treatment or long-term care

    • Significant medical bills

    • Need for physical therapy or assisted living

    • Loss of income due to inability to return to work

    • Property damage to recover the cost of the vehicle damaged in the collision

    • Lost wages, including those already lost from being unable to work, and future impacts on earning potential

Typically, the higher the economic impact, the more likely an insurance company will pay a higher settlement or a jury will award a larger amount. An experienced personal injury attorney will investigate the case thoroughly to determine the economic impact related to both current and future damages. Using this information, your attorney will fight for a fair settlement offer in the case.

Car accidents often result in whiplash, traumatic brain injury, and tissue damage, all of which are difficult to prove as the damage may not be visible on an X-ray or CT scan.

The insurance company responsible for paying out damages is much more concerned with profits than with ensuring car accident victims receive a fair settlement, so they may imply that the injury isn’t as serious as the victim says.

Having an experienced personal injury lawyer who can provide professional medical opinions can improve the likelihood of reaching a fair settlement.

One of the primary factors that determine how much a Georgia car accident settlement is worth is how much insurance is available. Georgia requires drivers to carry a liability insurance policy that will cover $25,000 in damages, though many drivers carry higher coverage. Also, commercial vehicles carry significantly larger insurance policies.

Typically, the value of your settlement is limited to the insurance coverage of the negligent driver, though if your medical bills and other economic costs are higher, a claim can be filed using your uninsured or under-insured motorist policy on your own insurance plan.

If you are partially to blame for the car accident, you may still recover compensation, but it will be reduced. Georgia has a comparative negligence system in personal injury cases which means that the jury will determine how much fault both parties had in the accident.

For example, if a driver was texting while driving and ran a red light, but the other driver wasn’t wearing a seat belt, the jury may determine the plaintiff was 20 percent responsible for the injuries they sustained. Thus, they would reduce the personal injury claim they would award by 20 percent.

As mentioned, non-economic damages are related to the pain and suffering that accident victims experience. When it comes to pain and suffering, there isn’t a specific amount of money that is already decided. Instead, the judge or jury looks at the evidence in your case and decides how much money is fair based on what they see.

In Georgia, there is no maximum limit on the amount of money you can get for pain and suffering. To calculate it, they often use something called the “multiplier method.” This method involves two steps.

First, they look at how much money you had to spend on your medical bills because of the injury. Let’s say your bills were $25,000.

Next, they take that amount and multiply it by a number between 1 and 5. The number they choose depends on how bad and long-lasting your injury is. If your injury is really severe and won’t go away easily, they might use a higher number.

For example, if they choose a multiplier of 4, they would multiply $25,000 by 4, which equals $100,000. So, in this case, you could receive up to $100,000 as compensation for your pain and suffering.

Remember, this is just an example, and each case is different. The judge or jury will carefully consider all the information and evidence to make a fair decision.

If a severely injured accident victim suffers from a traumatic brain injury, permanent scarring or other injuries that can cause chronic pain or long-term disability, the settlement offer is likely to be significantly higher than an injury with a high likelihood of complete recovery.

Are There Other Ways to Calculate Pain & Suffering in Georgia Besides the Multiplier Method? 

Yes, pain and suffering, classified as non-economic damages, can be calculated using the per diem method. This method assigns a specific dollar amount or daily rate to each day the victim experiences pain and suffering. The daily rate is then multiplied by the exact number of days the victim is expected to continue suffering. 

For instance, if a victim is assigned a daily rate of $150 and is expected to suffer for 200 days, the total pain and suffering damages would amount to $30,000. 

Is There a Way to Calculate the Settlement On Your Own? Yes, But You May Miss Out on Money

Calculating how much money you are awarded in a settlement is not ideal for most. Let’s discuss a little bit about why that approach doesn’t bode well for anyone but the other driver and their insurance company. If you research online, you’ll discover that the Internet is full of free online calculators that purport to tell you how much your settlement will be. 

Unfortunately, there is no way they can be accurate since they can’t consider all the variables affecting your case. Also, you might take the figure it spits out and use it as your baseline settlement amount. Then, you may settle for less than your claim is worth and miss out on money you are entitled to.

Don’t risk going it alone. Instead, putting a professional attorney in your corner is best for getting you fair compensation. They can evaluate your unique circumstances, gather necessary evidence, and negotiate with insurance companies on your behalf to ensure you receive the maximum settlement possible. 

How Long Does An Insurance Company Have To Settle A Claim In Georgia?

As you’ve probably guessed by now, working through the settlement process with an insurance company can be confusing. That’s especially true when you're unsure about the timelines involved. Understanding how long an insurance company has to settle a claim in Georgia can help manage your expectations and ensure you take the necessary steps to expedite the process. Here are some key points to consider when contending with claim settlement timelines.

Standard Accident Settlement Timeframe

In the state of Georgia, insurance companies are generally required to settle claims within 30 days of receiving notice of the claim. This standard timeframe aims to provide a prompt resolution for claimants. Although there are some exceptions, as we’ll note below, you’ll generally receive your settlement amount relatively quickly. That way, you can get on with the rest of your life and leave the accident in your rearview mirror. 

Exceptions to the 30-Day Rule Can Determine How Long an Insurance Company Has to Settle a Claim 

As stated above, there are some exceptions to this rule. For example, if an insurance company needs more time to investigate the claim or determine the amount of damages, it may request an extension from the policyholder. These exceptions ensure that claims are handled thoroughly and fairly. For the most part, though, insurance providers will make every attempt to resolve your claim quickly. They want to move on almost as badly as you do.  

Requesting an Extension

If an insurance company needs more time to process your claim, they may request an extension. It will be up to your attorney to grant them—or not grant them—their request. However, if your accident was particularly bad, it can take longer than 30 days for the insurance provider to finish reviewing your claim. For the most part, extensions are not a positive or negative sign regarding your settlement. As such, your attorney will most likely agree to an extension.  

Insurance companies may need additional time to conduct a thorough investigation, gather evidence, and assess the validity of the claim. Again, this is relatively common for bad car accidents. Getting in touch with witnesses alone can take a lot of time, and they’ll need to do this before they can close their investigation.

In some cases, more time is required to accurately calculate the amount of damage, especially in complex claims involving significant property damage or severe injuries. This might actually work in your favor, as severe injuries can lead to significant medical bills. Remember: once you’ve settled, that’s it. Although you can’t exceed the statute of limitations for filing a case, you can allow the insurance provider more time to determine the damages.

Written Notice Requirement

When requesting an extension, the insurance company has to adhere to rules and regulations. They must put their request in writing and send it to you within 20 days of receiving your proof of the accident. Even with a written notice of extension, though, you must receive your settlement within 60 days. 

If an extension is granted, the insurance company must provide written notice to the policyholder within 30 days of receiving the claim. This law exists to help ensure that the provider doesn’t purposefully hold onto your settlement for an extended period of time.

The duration of the extension and the reasons for it must be clearly communicated to the policyholder. Again, this helps ensure that you remain updated and that the process doesn’t drag out unnecessarily.

Disputed Claims: Another Factor to Blame for Delays in Settlements

Insurance companies are not required to settle claims that are being disputed by the policyholder. Disputes can arise over various aspects of the claim, leading to delays in settlement. Additionally, if you don’t provide the insurer with everything they ask for, they can dispute your claim, which will hold up the process. 

Policyholder's Right to Appeal

If a claim is disputed, you as the policyholder, have the right to appeal the insurance company’s decision. Furthermore, if you feel like your claim was illegally or unfairly denied, you should contact the Georgia Insurance Commission. They exist to ensure that you are treated fairly, so don’t hesitate to file a complaint with them, if necessary. 

If a policyholder disagrees with the insurance company’s decision, they have the right to file an appeal. This process begins when an attorney sends them a letter that invalidates whatever reason the insurer has provided for denying your claim. If the company still tries to deny your claim, you can file your appeal with the Georgia Insurance Commission.

The appeal process involves submitting additional evidence and possibly participating in mediation or arbitration to resolve the dispute. It is in your best interests to have an attorney represent you doing the appeals process. That way, you can be sure that everything is filed correctly and that you’ll have legal representation if your claim does end up in arbitration.

Policyholders may seek legal representation to strengthen their appeal and improve their chances of a favorable outcome. You’ll see this common theme throughout this article, and we can’t stress enough how important it is to consult with a professional attorney.

Impact on Settlement Time

Disputed claims can extend the settlement timeframe significantly. Normally, the insurance company has 60 days to deny or confirm liability. If they deny liability and make you file an appeal, you’ll enter a much longer process. Please note that you’ll also have 12 months to file a lawsuit if they refuse to give you a settlement.

Disputed claims can extend the settlement timeframe significantly, as the appeal process can be lengthy and complex. Many factors will determine when your case will be resolved. Be sure to remain aware of how much time passes, though, as the State of Georgia only allows you to file lawsuits related to your claim for two years after the date of the accident. It may be necessary to file a bad faith lawsuit to compel the provider to pay.

Both parties may need to engage in negotiation and mediation to reach a satisfactory resolution. Mediation will be held by the Georgia Insurance Commission. Their intent is to help you reach a fair settlement.

General Efficiency of Claim Resolution

Generally speaking, however, most insurance companies will attempt to resolve claims in a timely and efficient manner. They aim to balance thoroughness with promptness to provide fair outcomes. When the process works as it’s meant to, both sides are able to move on with their lives within 40 days.

Timeliness and Efficiency

Insurance companies strive to process claims efficiently, but policyholders can also play a role in ensuring a smooth process. It is necessary to provide the insurer with verification of your claim. If you hold up the process by not doing it correctly, you won’t be paid within 40 days. Hiring an attorney can ensure that everyone is filled out and filed correctly. 

Best Practices for Insurers

To maintain efficiency, insurance companies follow several best practices. We’ll go over each of these practices in detail below.

Insurance companies strive to initiate prompt investigations to gather necessary information quickly. This is necessary if they want to collect the most accurate information. For instance, eyewitnesses tend to forget things as time passes, which means that their recollection may no longer be useful. Therefore, talking to them right away is crucial.

Maintaining open and efficient communication with policyholders helps in resolving claims faster. There may be some gaps in what the insurance company can find out on their own, which makes it vital for them to communicate with their policyholder. Efficient and open communication will also keep the policyholder up to date, and this can help avoid further legal action.

Policyholder's Role

Policyholders can aid in the timely resolution of their claims by taking a few proactive steps. As soon as they’re in an accident, they need to collect:

  •  Personal info from everyone involved
  •  Insurance info from everyone involved
  • Photographs of the accident scene

 Each of these will come in handy when it’s time to file their claim.

Policyholders can help themselves receive a quicker settlement by providing all required documentation and information promptly. Don’t drag your feet or omit anything requested. Giving the insurance company everything they need immediately will help both sides of your claim.

Regularly following up with the insurance company can help ensure that the claim is being processed without unnecessary delays. Don’t contact them on a daily basis but do check in weekly to make sure everything is on track.

Keeping detailed records of all communication and documents related to the claim can help expedite the process and resolve any issues that arise. Write down everything, including what time you called your agency and who answered. These records can mean the difference between a speedy resolution or a long process.

The Legal Process for Car Accident Claims in Georgia

Understanding the legal process for car accident claims is important to your case. This section outlines the key steps and requirements to help you prepare for filing your claim effectively.

Filing a Claim: Steps and Requirements

There are several steps you must follow when you’re ready to initiate a claim. These include adhering to every deadline, submitting all the necessary paperwork, and compiling evidence. Follow the listed steps below to make your claims process go much more smoothly.

Gathering Evidence

It’s vital to compile any evidence immediately. Be sure to get contact information from anyone at the scene, including witnesses. Don’t wait too long to talk to them, either, or they might start to forget what actually happened.

Videos and photographs can provide easy to understand proof of the accident. A video is the best way to showcase anything unusual about the accident scene, along with helping you recreate what happened. Photographs should show any visible injuries, placement of traffic signals, the condition of the road, vehicle damage, etc. Each photo and video should help you make your case.

If you want to be able to support your claim and establish fault, it’s going to be critical to obtain a police report. In other words, call the police immediately, and then follow up by getting a copy of their report. A completed police report should include the officer’s observations, along with any citations they issued, witness statements, etc. This will go a long way toward proving your claim.

It’s vital to obtain and save your medical records. This will include keeping a detailed log of every consultation, medication, and treatment you receive. This will help you verify your medical expenses, along with the health impact of the car accident. You may also want to obtain a written statement from your doctor that lists how long you’re expected to have pain, etc.

Submitting Paperwork

Submitting properly completed paperwork is one of the best ways to push back if the insurer tries to deny your claim. Look it over very carefully, as providing an improperly filled out form can cause significant delays. 

It’s important that you ensure you understand the limits of your insurance coverage. This will allow you to better understand what you can reasonably expect from your insurer. First, however, it’s critical to submit every single form that your insurer requests. You can expect forms that will detail the damage you incurred, the extent of your injuries, and an explanation of what happened on the day of your accident. Again, be sure that everything is completed in full and correctly, or you might face a delay.

Has the insurance offered an insufficient settlement amount? It’s time to move on to filing a legal claim. You’ll have to outline your case and list the compensation you’re seeking when you submit your complaint to the court. It’s usually much easier to have an attorney draft and submit the complaint for you as they fully understand the process.

To make sure you get a fair settlement, it’s necessary to verify the economic impact of your car accident. Make sure that every supporting document is included, along with proof of lost wages, medical bills, repair estimates, etc. It’ll be better to submit too much documentation than not enough.

Timelines and Deadlines

The legal system imposes certain timelines and deadlines for car accident claims. If you fail to meet them, your case may be dismissed. 

In the State of Georgia, it is necessary to file a personal injury claim within two years of the accidentor two years from the date of death in a fatal car crash. There are very few exceptions to this statute of limitations, so it’s absolutely vital that you don’t file your lawsuit after the two years are up. If you do, you’ll likely receive nothing. We’ll discuss the statute of limitation a little more later.

Deadlines are set for a reason, and you don’t ever want to exceed them. Therefore, make sure that all legal documents and claims are filed in a timely manner. Otherwise, it may become next to impossible to validate your claim, and you’ll also face the risk of a dismissal.

Check your policy to determine the typical amount of time it will take for your insurer to respond to your claim. Make sure you understand how their response period will work and be sure to ask your agent if you have any questions. Otherwise, it’ll become difficult to plan your next steps.

Importance of Evidence in Your Case

Evidence means everything and can keep you out of a ‘he said, she said’ situation. Without evidence, it’ll be practically impossible to prove your case. Begin collecting evidence immediately after a car accident, even if you think the damage is minimal. 

Medical Records

If you were injured, you must seek medical attention right away. Furthermore, it’ll be on you to obtain a copy of your medical records. Collect anything you receive from your physician and be prepared to turn it over.

The foundation of your claim will begin with your initial diagnosis. Working with a skilled accident attorney is the best way to ensure that you collect every relevant piece of medical information. They also have the experience necessary to present your documentation in an effective manner.

It’s vitally important that you have a detailed treatment plan from your physician. This should include the expected duration and necessity of your medical care. Any prescribed treatments need to be included. This documentation can have a major impact on your settlement amount. For instance, if your doctor believes it will take you two years to fully recover, this should be documented, along with your expected lost wages.

Scheduling and attending regular follow-up visits are the best way to address any complications that may arise. Unless your recovery is monitored in this way, it can be difficult to prove that you’ve suffered from chronic injuries. Going to every doctor’s visit—and obtaining verification that your injuries are chronic—can have a significant impact on your settlement amount.

Witness Testimonies 

Witnesses can help you prove your case, but it’s necessary to record their statements early on. By the time they’re giving testimony, they may have forgotten critical details. 

Are your eyewitnesses credible? Or can their testimony fall apart under cross-examination? Verify the credibility of any eyewitnesses, then be willing to put them on the stand. Their purpose is to corroborate what you’ve said, which is a good way to strengthen your case.

Bringing in an expert statement from specialists such as accident reconstructionists and medical professionals is a good way to validate your claim. Once your claim has been backed by expert statements, it may also help you receive a higher settlement. Make sure you use experts without a history of making unfounded claims.

Choosing some character witnesses can go a long way toward bolstering your credibility. These individuals should speak to your integrity and general credibility, rather than the accident itself. Ensuring they’ve known you for a long time can make an even bigger statement. This can help you with insurance adjusters and/or the court.

Expert Testimonies 

The purpose of expert testimonies is to provide their chosen field of expertise for your case. For instance, an expert reconstruction specialist can use photographs and videos to determine how fast your car was moving when the accident occurred. 

If you’ve suffered from a soft tissue injury, a medical expert can provide testimony regarding the typical long-term impacts and treatment plans of your injury. Having a medical expert go into a detailed explanation is a good way to support your attempt to receive higher compensation for your accident.

The role of an accident reconstructionist is to show what happened during your accident. They have the expertise to turn your videos and photos into an explanation of the accident, including who was at fault, the economic impact, etc. Their testimony can aid you in showcasing the damages and liability of your case.

Having an economic analyst testify is a good way to prove the total financial impact of your car accident. With their specialized knowledge, they can help determine your overall medical expenses, future lost wages, etc. Their testimony can help you receive a comprehensive and fair settlement that will cover your related future expenses.

Working with Insurance Adjusters

Working with the insurance adjusters is needed to prevent delays and ensure you get a fair shake. Here’s a step-by-step guide to help you navigate the negotiation process. .

Consult with an Attorney and Initiate Contact with the Insurance Company

The initial contact with your insurance company sets the tone for your entire claim process. It is also a good idea to consult with a car accident attorney to make sure you know what you are heading into. After meeting with the attorney, here’s what needs to happen:

Report the Accident

Ensure you have all required documents and information ready to share with the insurance adjusters. This might include your insurance policy, police report, and any photographs of the accident scene.

Be prepared to answer any questions the insurance company might have about the accident and how it relates to Georgia’s traffic laws and insurance regulations.

Settlement Negotiations

Settlement negotiations are a critical part of the claims process. Understanding how to evaluate and negotiate offers can significantly impact your compensation.

Evaluating Initial Offers and their Credibility

Insurance adjusters will typically make an initial settlement offer. It's important to understand that these offers are often lower than what you might be entitled to. Evaluating the initial offers and understanding the credibility of these offers is important for a fair settlement. Your attorney can help you with these evaluations.

Carefully evaluate the fairness of the initial offer by considering the extent of your injuries, property damage, and any other related costs.

Counter Offers

Making counter offers can help you achieve a higher settlement. Here’s how to approach it.

Use effective negotiation strategies to counter the initial offer and aim for a higher settlement amount. Present strong evidence and a clear argument for why you deserve more compensation.

Again, consider seeking legal assistance to help with the negotiation process. An experienced attorney can provide valuable insights and support.

Mediation

Mediation can be a useful step if negotiations stall. Understanding the mediation process can help you prepare.

A mediator acts as a neutral third party to help both sides reach an agreement. They facilitate discussions and offer solutions that might be acceptable to both parties.

During mediation, both parties will present their cases, and the mediator will help guide the discussions towards a mutually agreeable resolution.

Dispute Resolution

If negotiations and mediation do not resolve the dispute, you may need to consider arbitration or litigation.

Arbitration

Arbitration is an alternative to court that can resolve disputes more quickly. Here’s what you need to know about arbitration.

Voluntary arbitration is when both parties agree to submit their dispute to an arbitrator, who will make a binding decision. This can be a quicker and less formal process than going to court.

Binding arbitration means that the decision made by the arbitrator is final and enforceable in a court of law. Both parties must adhere to the ruling.

Litigation

Litigation is often the last resort in resolving disputes. Here’s how to prepare for court.

If a settlement cannot be reached, the case may go to court. Prepare thoroughly for the trial by gathering all necessary evidence and witness testimonies.

Understand the courtroom procedures and what to expect during the trial. This includes presenting your case, cross-examinations, and closing arguments.

Settlement Agreements

Finalizing a settlement agreement is the last step in the claims process. Ensure all terms are clear and legally binding.

Once a settlement is agreed upon, finalize the terms. Ensure that all agreed-upon compensation and conditions are clearly outlined.

Complete all necessary legal documentation and adhere to the insurance company’s policies. This ensures that the settlement is legally binding and enforceable.

What Are the Statute Of Limitations To File a Georgia Car Accident Claim?

The statute of limitations deserves a special mention here. As mentioned, you have two years from the date of the incident or a fatality to file a car accident case, which seems simple enough–deceptively so as a matter of fact. 

First, it seems like a very long time to meet the deadline. Understand that it’s essential that you and your attorney start working on your claim as soon as possible. As time goes on, documents can get misplaced, people's memories fade over time, and you don't want to procrastinate on any of the steps outlined in this article.

Second, an insurance company may delay settlement negotiations in order to run out the statute of limitations, so it's important to work with a personal injury lawyer as soon as possible after your accident in order to prevent missing the window of opportunity to file a personal injury claim.

How Long Do Most Georgia Car Accident Settlements Take?

After you sign some important papers called a ‘release,’ you'll usually get your money within 30 days. However, the time it takes to get the money can be different for each car accident case.

Sometimes, things can get resolved quickly. This means you might get the money in just a few weeks or a couple of months. But other times, it can take longer, even several months or years!

Why does it take longer sometimes? Well, it depends on a few things. If the case is complicated, with lots of details to figure out, it can take more time. Also, if the injuries from the car accident are serious, it might take longer to decide how much money is fair. And sometimes, the lawyers and insurance companies need to negotiate back and forth to agree on a fair amount.

So, while it's possible to get the money within 30 days after signing the release, it can also take longer, especially if the case is complex or there are disagreements. The important thing is to be patient and let the people involved in the case do their best to make sure you get the right amount of money for what happened.

High-Profile Car Accident and Truck Accident Settlements in Georgia

Understanding the impact and outcomes of significant car and truck accident settlements can offer insights into how justice is served and how compensation is determined in tragic circumstances. In a publication prepared by the American Transportation Research Institute (ATRI), from 2012 to 2019, the number of truck accident cases with verdicts over $1 million increased by approximately 235 percent over the previous period from 2005 to 2011. 

Below are a few notable cases highlighting the substantial settlements and verdicts awarded in Georgia. If you’ll notice, they are way over the amount of the typical car accident settlement that we previously discussed in the section, ‘Average Georgia Car Accident Settlement Amounts.’ 

$40,000,000 Wrongful Death & Injury Settlement for Guardrail Accident on I-85 in Atlanta: November 30, 2023

This case underscores the critical importance of highway safety. Less than two weeks before trial, a settlement of forty million dollars was reached in a case involving a defective guardrail on I-85 in Atlanta. The guardrail, which had been nonfunctional for at least ten months, failed to protect the vehicle from leaving the roadway, resulting in a tragic accident.

When the car struck the damaged guardrail, it vaulted into a concrete pole, causing the death of Catherine Holloway and severe injuries to her aunt, Kelley Phillips. The Georgia Department of Transportation (GDOT) and its subcontractors, Martin Robbins Fence Company and Arcadis U.S., Inc., were found responsible for failing to repair the guardrail. The settlement allocated $20,500,000 to Catherine's family and $19,500,000 to Kelley and her husband. This settlement was achieved through meticulous investigation and expert testimony that proved the guardrail’s nonfunctional state was a direct cause of the accident.

Georgia Truck Accident Settlements: What Happens When You Sue for Compensation

judge banging their gavel

Truck accidents often result in significant settlements due to the severe damages and injuries involved. Here are some notable recent cases:

  • $2,750,000 Tractor-Trailer Accident: This settlement was awarded for the death of a driver whose car was crushed by a piece of equipment that fell from a flatbed truck trailer.
  • $2,250,000 Tractor-Trailer Accident: This case involved the death of an 8-year-old boy when a truck crossed the centerline and collided head-on with a van.
  • $1,700,000 Tractor-Trailer Accident: A commercial box truck operated by a tire company collided with a minivan, causing serious injuries to two people.

2024 Georgia Car Accident Verdicts: Significant Legal Outcomes and Their Impact

Recent verdicts also highlight the severe consequences of negligence on the road:

  • $28,000,000 Verdict: In this case, a 54-year-old man was killed in a head-on collision when the defendant crossed the center line and collided with the victim’s minivan. The jury awarded $26.5 million for the full value of the victim’s life and $1.5 million for his pre-collision emotional injuries. The defendant had admitted fault, and the defense had suggested a $3 million verdict, but the jury awarded significantly more.
  • $32,500,000 Settlement: This case involved a fatal accident where a man was killed on his way to work in Camilla after his vehicle collided with a tractor-trailer emerging from a food-processing plant. The lawsuit, filed by the man’s wife and daughters, revealed negligence on the part of G.R.E.L. Trucking LLC’s employee and significant maintenance failures on the truck. The settlement amounted to $32.5 million, emphasizing the importance of vehicle maintenance and adherence to safety regulations.

These high-profile cases illustrate the potential for substantial settlements and verdicts in car and truck accident cases in Georgia. They reflect the serious nature of the injuries and the legal responsibility of those at fault.

Going Far Beyond Average Car Accident Settlements: The All-Time Largest Personal Injury Settlements Involving Vehicles

Some of the largest personal injury settlements involving vehicles highlight the severe consequences of accidents and the substantial compensation awarded to the victims. The counsel of a professional car accident attorney can be invaluable in such cases. 

Below are three notable cases that underscore the importance of legal action in achieving justice and financial relief for those affected:

In 1993, a Chevy Malibu carrying six members of the Anderson family was struck by a drunk driver, causing the fuel tank to catch fire and explode. All six family members, including four children, suffered severe burns. The Andersons filed a personal injury lawsuit against General Motors, seeking compensatory damages.

The case went to trial, and the family was awarded a staggering $4.9 billion—$107.6 million for compensatory damages and $4.8 billion for punitive damages. General Motors appealed, and the Superior Court Judge later reduced the settlement to $1.2 billion.

In 2008, Shirley Miller suffered massive brain injuries and other physical damages when a pharmacy truck hit her while she was crossing the street. This accident resulted in the largest personal injury settlement in New York history, with the pharmacy agreeing to pay Miller $22 million in damages.

In 1998, Carol Adkins, 44, was severely injured when a city maintenance truck lost control and crashed into several vehicles. Her injuries were so severe that she could only communicate by blinking and required feeding through a tube, costing approximately $30,000 a month for her care.

Despite the involvement of a city government agency, Adkins’ attorney secured a $19 million verdict, paid in four installments over two years. This was the largest settlement in Los Angeles history at the time.

Notable Accident Settlement Amounts Awarded to Fitzpatrick Law Clients

The Fitzpatrick Firm has a proven track record of securing substantial settlements for their clients. Here are some notable examples:

  • $3.5 Million Settlement for a trucking collision.
  • $1.3 Million Verdict for a driver side collision.
  • $300,000 Settlement for a low-speed rear-end collision.
  • $250,000 Policy limits for a passenger side collision.

These results highlight the effectiveness of The Fitzpatrick Firm in handling complex personal injury cases and achieving favorable outcomes for their clients.

Why Hire A Professional Georgia Car Accident Attorney?

Hiring an attorney will put you in a much better position to receive a fair settlement. In fact, without an attorney by your side, the odds are high that any settlement you receive will be significantly lower. Why? Because the insurance agency will use a lawyer, and they’ll also attempt to lowball you.

Having a skilled attorney representing your case sends the signal that you’re not going to settle for a lesser amount. Additionally, an attorney has the necessary skills and knowledge to carefully review the specifics of your case, which is the best way to ensure that you don’t accidentally accept an offer that’s too low.

Studies Show Victims Receive Higher Settlements

In 2019, the average car accident settlement in Georgia was approximately $18,000. Of course, this is just an average, and it doesn’t take the specifics of your case into consideration. Factors that can influence the amount you receive include:

  •  Cost of medical treatment
  •  Severity of your injury
  • Permanence of your injury
  •  Who was assigned fault for the accident
  •  Lost wages, along with any loss to your future earnings potential
  • Severity of vehicle damage
  • Credibility—yours and any witnesses

Several Factors Can Impact Your Case: Let an Attorney Review The Details of Yours

An attorney can review all the details of your case, including factors such as medical bills, lost wages, and other expenses, to determine the true value of your settlement. For example, if you’ve suffered from a severe injury that impacts your ability to work, the average settlement can be anywhere from $50,000 to $200,000+.

Negotiating with Insurance Companies

Attorneys have experience negotiating with insurance companies and can advocate on your behalf to secure a fair settlement. The Insurance Research Council (IRC) discovered that an attorney was involved in 85% of all settlements. These cases tended to settle for approximately three-and-a-half times more than cases where an attorney wasn’t utilized. 

Schedule a Free Case Evaluation With An Experienced Atlanta Car Accident Attorney

Car accidents often result in severe or catastrophic injuries that require extensive medical treatment and can seriously impact your quality of life. At The Fitzpatrick Firm, LLC, we seek maximum recovery for our clients, whether we negotiate a fair settlement out of court or take your case in front of a jury. Schedule a free legal consultation with our Atlanta car accident attorney today by calling  (678) 607-5550 or filling out the form below.

FAQs

How much you receive will depend on if the injuries are severe, long-lasting, or causing chronic pain or chronic health issues. Other factors for how much a car accident victim will come into play include lost wages, medical bills and physical therapy. Still, there are baselines we can look to for solid numbers. For instance, a minor collision resulting in minimal property damage and minor injuries, like soft tissue injuries or whiplash, will typically receive as low as $2,500 up to $25,000.

As you would expect, for car accidents resulting in traumatic brain injuries, spinal damage, or long-lasting injuries, the medical expenses and pain and suffering damages will be higher. Settlements for severe injuries often begin at $50,000 and may range up to $200,000 or more.

It’s a good idea to do your homework and know what percentage of your settlement an attorney will take as part of their fee. Typically, personal injury lawyers, including the Georgia car accident lawyers at the Fitzpatrick Law Firm, work on a contingency fee basis, meaning they only get paid if you win your case.

The standard contingency fee can range from 33% to 40% of the settlement amount, although this can vary depending on the complexity of the case and the attorney’s experience.

For example, if your settlement is $100,000, and your attorney’s contingency fee is 33%, they would take $33,000 as their fee. Some attorneys may also have a sliding scale, where the percentage they take increases if the case goes to trial due to the increased time and resources required.

Before hiring an attorney, discussing and agreeing upon the fee structure in writing is important. This step ensures there are no surprises and you understand exactly how much of your settlement will go towards legal fees. Additionally, inquire about any other costs that might be deducted from your settlement, such as court fees, expert witness fees, and administrative expenses.

Understanding the fee structure and potential costs of hiring a personal injury lawyer will help you make the best decisions that benefit your case and ensure you receive the maximum compensation possible from your settlement. The Fitzpatrick Law Firm is here to serve all of Atlanta, including Marietta, Buckhead, Alpharetta, Lawrenceville, Dallas (GA), and Douglasville.

No laws require you to hire an attorney to handle your car accident case. However, Georgia laws regarding auto accidents can be quite complex. So can navigating the court system to get you the compensation you deserve. Therefore, if you are not well-versed in personal injury law and the legal processes involved, hiring a professional experienced attorney can be well worth it.

An experienced personal injury lawyer can help you in several ways, including:

    • Understanding the Law: Georgia’s auto accident laws involve various statutes and regulations that can be challenging to interpret without legal training.

    • Handling Paperwork: Legal claims involve substantial paperwork, which needs to be filed correctly and within specific deadlines.

    • Gathering Evidence: A lawyer can assist in collecting and preserving crucial evidence, such as police reports, medical records, and witness statements.

    • Negotiating with Insurance Companies: Insurance companies often aim to minimize payouts. An attorney can negotiate on your behalf to ensure you receive a fair settlement.

    • Representing You in Court: If your case goes to trial, having a lawyer to present your case and argue on your behalf is invaluable.

    • Maximizing Compensation: Attorneys can identify all potential sources of compensation and ensure you claim for both economic and non-economic damages.

While handling a car accident claim alone is possible, don’t do something that may cause you to walk away and leave money on the table. A skilled attorney’s legal expertise and support can significantly increase your chances of obtaining a fair and adequate settlement.

In Georgia, the average settlement for pain and suffering resulting from a car accident is a little over $23K. This figure aligns with the state’s minimum coverage limits. Still, it can vary significantly based on factors such as the severity of the injuries, lost wages, and the overall impact on the victim’s quality of life. In other words, this figure is just an example, and each case is different.

In fact, pain and suffering payouts can range from a minimum of $7K to over $700K in the most extreme cases. Remember, the judge or jury will carefully consider all the information and evidence to make a fair decision.

You may be surprised to learn that more than 95% of all auto accident cases are settled before trial. Also, most lawyers will agree that settling an auto accident case is almost always better than going to trial. The main benefit of a settlement is that it offers a faster and typically less confrontational method for resolving the issues stemming from a car accident. Once both parties agree to the terms and finalize the settlement, the injured party generally relinquishes the right to pursue any further legal action related to the accident.

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