In some cases, fault is clear, such as when a driver runs a red light. In other situations, it may take more time to understand what happened.

Fault may be determined using:

• Witness statements

• Police reports

• Traffic laws

• Accident reconstruction

If fault is disputed, speaking with a personal injury attorney may help you better understand how the law applies to your situation.

Under Georgia’s modified comparative negligence rule, you may still recover damages as long as you are less than 50% at fault for the accident. Your compensation is reduced based on your percentage of fault.

For example, if you are awarded $100,000 but found 20% at fault, you may receive $80,000 after the reduction.

In some situations, insurance companies may try to assign a higher share of fault to you. This can lower what they have to pay, so it is something that often comes up during the claims process.

After you file a claim, an insurance adjuster will review your case and any supporting documents, such as medical bills.

The first offer may be lower than what your claim could be worth. You may have the option to negotiate. A lawyer can step in if the process becomes difficult.

Insurance companies are focused on limiting payouts, so it may help to review any offer carefully before accepting.

Damages are usually grouped into two main categories:

Economic damages

• Medical expenses (current and future)

• Lost income

• Property damage

Non-economic damages

• Pain and discomfort

• Emotional distress

• Loss of enjoyment of life

• Disfigurement or long-term limitations

In some cases, punitive damages may also apply. These are typically considered in cases involving serious or reckless behavior, such as drunk driving.

You do not have to hire a lawyer after a car accident. However, it may help in certain situations.

For example:

• If your claim is disputed

• If the settlement offer feels too low

• If fault is unclear

A lawyer can help gather evidence, handle communication, and guide you through the process while you focus on recovery.

If the other driver does not have insurance, you may be able to use your uninsured motorist (UM) coverage, if your policy includes it.

You will still need to show that the other driver caused the crash and that your injuries are connected to the accident.

The process is similar to filing a standard insurance claim, but it is handled through your own insurance provider.

In Georgia, you generally have two years from the date of the accident to file a personal injury claim.

It may help to start the process sooner rather than later. Evidence can fade, and details may become harder to confirm over time.