Table of Contents

Part 1: Buying Georgia Automobile Insurance Chapter 1 | Understand the Types of Insurance Available on an Auto Policy . . . . . . . .15 Chapter 2 | Determine What Coverage You Have . . . . . . . .21 Chapter 3 | Get a Quote on Increasing Your Insurance Limits . . . . . . . . 23 Chapter 4 | Compare Your Insurance Company’s Rates and Service . . . . . . . . 24 Part 2: Dealing with a Car Accident in Georgia Chapter 5 | Quick Dos and Don’ts after a Georgia Car Accident . . . . . . . .29 Chapter 6 | Action Items after a Car Accident . . . . . . . . 35 Chapter 7 | How to Read a Georgia Accident Report . . . . . . . .37 Chapter 8 | Assess Insurance Coverage . . . . . . . .40 Chapter 9 | Property Damage Issues . . . . . . . .45 Chapter 10 | Understanding Injury Cases . . . . . . . .49 Chapter 11 | “What is my Auto Collision Case Worth?” . . . . . . . .57 Chapter 12 | “Do I Need a Lawyer to Handle My Case?” . . . . . . . .62 Chapter 13 | Putting Together a Demand Package . . . . . . . .67 Chapter 14 | Negotiating Your Claim . . . . . . . .70 Part 3: Hiring a Lawyer Chapter 15 | “How Do I Choose a Good Lawyer?” . . . . . . . .73 Chapter 16 | “How Long Will It Take a Lawyer to Resolve My Car Accident Case?” . . . . . . . .76 Part 4: Legal Issues Chapter 17 | The Deadline—the Statute of Limitation . . . . . . . .79 Chapter 18 | “Should I Just Pay the Traffic Ticket?” . . . . . . . .83 Chapter 19 | Who Pays for the Medical Bills after the Crash? . . . . . . . .81 Chapter 20 | “Why is the Hospital Trying to Send the Bill to the Other Car Insurance Company instead of to My Health Insurance?” . . . . . . . .83 Chapter 21 | Understanding Georgia Medical Liens . . . . . . . .84 Chapter 22 | Entities that Will Try to Take Away Parts of Your Settlement . . . . . . . .86 Chapter 23 | What to Do If You Caused the Crash . . . . . . . .88 About the Author . . . . . . . .94 Exhibit A | Wage and Salary Verification . . . . . . . .96 Exhibit B | Sample Insurance Settlement Demand Letter . . . . . . . .98 Exhibit C | Settlement Demand Workshee . . . . . . . .101 Exhibit D | Medical Records Request Sample Letter . . . . . . . .103 Exhibit E | Hospital Insurance Payment Sample Letter . . . . . . . .104