Auto accidents attorneys in Valdosta, GA often conduct investigations to determine exactly what happened in a vehicle collision. Especially when someone has suffered a permanent injury, the investigator wants to reconstruct the incident and learn why it occurred. Passenger cars have become significantly safer over the years as manufacturers devoted time, money and a lot of effort to achieve this goal. Yet, every year, many people are seriously hurt or killed in vehicle crashes.
Minimum and Maximum Insurance Coverage
Automotive insurance policies have maximum limits for liability. Some policyholders set those limits quite high for their own financial protection. The minimum required by law is $25,000 per injured person and $50,000 per accident, but people who own real estate and other substantial assets typically buy better coverage. They don’t want to be sued if they ever do somehow cause an accident.
The maximum liability coverage varies by company. It may not be enough to cover all the assets of a person who is wealthy. People who want to protect their home and savings from a lawsuit might choose a maximum liability of $250,000 per injured person and $500,000 per incident, which is the common maximum allowed by insurers.
Filing a Lawsuit
Auto accidents attorneys in Valdosta, GA want to make sure a client dealing with a permanent injury receives the financial compensation they deserve after being harmed by another driver’s negligence, carelessness, or recklessness. That might mean filing a lawsuit in addition to demand the maximum liability from the insurance company.
The person may be facing partial paralysis or may have had a limb amputated. The doctor may have determined debilitating lifetime back pain because of a vertebral fracture. Back surgery does not guarantee a substantial improvement in all cases.
Attorneys with a firm such as Farrar, Hennesy & Tanner help seriously injured clients explore their options and decide how to proceed. This is not a time to accept the first settlement offer from the at-fault driver’s insurer and be done with it. Even if it seems like a high amount, someone with a permanent injury may deserve much more.