Caitlyn and a friend were driving home after a night out. A driver crashed into their car, breaking Caitlyn’s leg. Even though the other driver didn’t have insurance, BBGA secured a $400,000 settlement through uninsured motorist coverage, which was over three times Caitlyn’s medical bills.
The Accident
Caitlyn and her friend were on Rock Chapel Road in DeKalb County, Georgia. Caitlyn’s friend was driving, and Caitlyn was riding in the front seat. Another driver was driving on the wrong side of the road and was heading right towards their car. Caitlyn’s friend tried to avoid the wreck but didn’t have time. The other driver crashed into their car. The friend’s car was totaled, and the fire department had to use the jaws of life to cut Caitlyn out.
The Injuries
The wreck broke Caitlyn’s femur and one of her ribs. EMS arrived at the scene and took Caitlyn to the hospital. The next day, doctors performed surgery to fix her broken leg. The surgery involved inserting a metal rod and screws into her leg to fix the fracture. An x-ray of her leg before and after the surgery is below.
The hospital kept Caitlyn another day, following the surgery, before discharging her. She was in a cast for several weeks and had to use a walker as her leg healed and she regained strength. She walked gingerly and with pain for several months, but she ultimately made a good recovery and is back to her normal activities.
Uninsured Motorist Coverage
The at-fault driver was driving a friend’s rental car. Because the other driver was not listed as an authorized driver on the rental car, the rental car insurance did not cover him. He didn’t have his own car with an insurance policy that would provide coverage, either. Given that, there was, unfortunately, no liability coverage for this wreck.
However, Caitlyn’s friend had uninsured motorist coverage. Uninsured motorist coverage is insurance that applies if you get into an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your injuries. Since Caitlyn was a passenger in her friend’s car, the uninsured motorist coverage applied to her.
The Settlement
BBGA secured a $400,000 settlement with the uninsured motorist company. We’re glad that Caitlyn has made a good recovery and that we were able to help her with her case.
Frequently Asked Questions
What should I do immediately after a car accident?
After a car accident, ensure everyone’s safety and call for medical help if needed. Document the scene by taking photos and gathering information from witnesses and the other driver.
How can I claim uninsured motorist coverage?
To claim uninsured motorist coverage, contact your insurance provider and provide them with the details of the accident. They will guide you through the claims process and help you understand the required documentation.
What types of compensation can I receive for a car accident injury?
You may be eligible for compensation covering medical expenses, lost wages, pain and suffering, and rehabilitation costs. An attorney can help you assess your case and determine the compensation you may be entitled to.
How long do I have to file a claim after a car accident?
The time frame to file a claim varies by state, but in Georgia, you generally have two years from the date of the accident to file a personal injury claim. It’s advisable to act quickly to ensure you gather all necessary evidence.
Do I need an attorney to handle my car accident case?
While it is not mandatory to hire an attorney, having legal representation can significantly improve your chances of securing a fair settlement. An attorney can navigate the complexities of the law and advocate for your best interests.
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