Auto Accidents

When can You Directly Sue a Defendant’s Insurance Company for Accident Damages?

November 29, 2019 | Benjamin S. Persons, IV

In many successful personal injury cases, the defendant’s insurance company ends up paying most of the judgment. You might therefore think it would “save a step” just to sue the insurance company directly. In most cases, such “direct action” is not permitted under Georgia law. The legal theory behind this is that an insurance policy is a contract between the insurer and the insured, and the injured person is a third party who is not “privy” to this agreement.

However, Georgia law makes an exception to the prohibition on “direct action” when the insured party is a “motor carrier.” That is to say, if you are injured in an accident caused by a motor carrier, you may file directly sue both the carrier and its insurance company for damages.

Mitchell v. Dixie Transport, Inc.

Is a Car Accident in a Residential Driveway Covered by Homeowner’s Insurance?

September 30, 2019 | Benjamin S. Persons, IV

In most cases, damages arising from a car accident are covered by the negligent driver’s auto insurance policy. But what if the accident occurred while the car was still in the owner’s driveway? Would homeowner’s insurance actually cover such damages?

Wilkinson v. Georgia Farm Bureau Mutual Insurance Company

The Georgia Court of Appeals recently addressed these questions in Wilkinson v. Georgia Farm Bureau Mutual Insurance Company. This case began when a man named Buchanan purchased a used Ford F350 truck. One of Buchanan’s co-workers, a man named Wilkinson, asked to take a look at the truck. Wilkinson and his wife subsequently went to Buchanan’s house.

Insurance Company Seeks to Limit Liability for Jeep Accident

September 20, 2019 | Benjamin S. Persons, IV

When you file a personal injury lawsuit against a negligent driving following an auto accident, in most cases this means you are really seeking compensation from the driver’s insurance company. Unfortunately, insurance companies are quite adept at asserting their own legal rights. This includes taking legal action to void a policy if they believe the policy holder–i.e., the negligent driver–did not strict comply with its terms.

American Family Insurance Company v. Almassud

A recent case before a federal judge in Atlanta, American Family Insurance Company v. Almassud, offers a cautionary example. This case involves a 2012 accident in Cumming, Georgia. The defendant was driving his Jeep. According to court records, the Jeep “veered into oncoming traffic and struck a vehicle driven” driven by a woman who sustained serious injuries.

Vicarious vs. Direct Liability: Holding Georgia Employers Accountable for their Employees’ Negligence

August 23, 2019 | Benjamin S. Persons, IV

When a car accident occurs, there may be more than one party who is liable for the victim’s injuries. For example, if the negligent driver was acting on behalf of an employer, the latter can be sued under a number of legal theories. Depending on the specific facts of the case–as well as the defendant employer’s response to the lawsuit–some of these theories may be unavailable to the victim.

Terry v. Old Hat Chimney, LLC

Take this recent decision from the Georgia Court of Appeals, Terry v. Old Hat Chimney, LLC. This case began with a rear-end auto accident that took place in July 2016. The plaintiff claims the other driver, one of the defendants, was liable for his injuries arising from said accident.

Ga. Court of Appeals: Bus Driver Not Responsible for 5-Year-Old’s Death

July 2, 2019 | Benjamin S. Persons, IV

Parents entrust their children to a number of responsible adults every day, including teachers and bus drivers. When something goes wrong and the child is injured–or even killed–while under another person’s care, the parents understandably want to hold that person responsible. Unfortunately, the law does not always help parents in this regard, particularly when the responsible person happens to be a public employee.

Odum v. Harn

A recent ruling from the Georgia Court of Appeals, Odum v. Harn, typifies the uphill battle parents face when seeking accountability. This case involves a 2013 accident that resulted in the death of a 5-year-old child. The victim was riding on a Bryan County school bus operated by the defendant.

Georgia Supreme Court Holds Insurer Not Responsible for $5.3 Million Accident Judgment

April 12, 2019 | Benjamin S. Persons, IV

Most personal injury claims arising from an auto accident are paid via a settlement with the negligent driver’s insurance company. What happens when the insurer refuses to settle and the injured parties successfully sue the negligent driver for damages? In such scenarios, the driver may be able to sue the insurer for its “bad faith” refusal to settle the personal injury claim in the first place.

First Acceptance Insurance Company of Georgia, Inc. v. Hughes

When does an insurance company’s “duty to settle” actually arise? Does the insurer have to wait for the injured victims to file a lawsuit? Or should the insurer reasonably anticipate when such a lawsuit is likely to occur? The Georgia Supreme Court recently addressed both of those questions.

Georgia Court of Appeals Dismisses Personal Injury Claim Against Polk County Sheriff

March 22, 2019 | Benjamin S. Persons, IV

In a typical personal injury claim arising from a car accident, the plaintiff is free to sue the defendant for damages at any time prior to the expiration of the statute of limitations, which is normally two years for personal injury claims. However, when the defendant is a government employee, and the accident occurred while that person was acting in an official role, the plaintiff needs to jump through some additional hoops before a court will even hear the lawsuit.

For example, if you are injured in a car accident caused by the negligence of a Georgia county employee, state law requires that you present a claim to the county within 12 months. Basically, you need to give the county written notice before you can sue it. If you fail to comply with this notice requirement, a judge will dismiss any subsequent personal injury lawsuit based on that claim.

Moats v. Mendez

When is a Defendant’s Drunk Driving Relevant to a Personal Injury Claim?

March 8, 2019 | Benjamin S. Persons, IV

Georgia follows what is known as “modified comparative fault” in personal injury cases. What does this mean? Well, let us say you are involved in an auto accident with another vehicle. You later sue the other driver for damages. If a jury ultimately determines that the other driver was 80% at-fault, that means you are 20% at-fault. You could still recover damages under this scenario, but your award would be reduced by 20% to account for your own “comparative fault.”

So, what happens if the jury decides you are both equally at-fault, i.e., you were both 50% responsible? In that case, you recover nothing. Georgia’s comparative fault law prohibits a plaintiff from taking anything in a personal injury lawsuit if he or she is found 50% or more at-fault.

Barrett v. Burnette

How Does a Traffic Ticket Affect the Timing of a Personal Injury Claim in Georgia?

October 31, 2018 | Benjamin S. Persons, IV

If you want to file a civil lawsuit against someone in Georgia, you need to be aware of the statute of limitations. This is basically the legal time limit to file a claim. For personal injury cases, Georgia’s statute of limitations is normally two years from the date the action “accrued.” For example, let us say you were injured in a car accident that took place on November 1, 2016. Under Georgia law, you need to sue the negligent driver no later than November 1, 2018. Even if you file one day past this deadline, the judge will throw out your case because legally, no court may hear a case once the statute of limitations has expired.

Williams v. Durden

However, there are certain events that can “toll” the statute of limitations. Tolling effectively stops the clock for a specified period of time. The burden is on the plaintiff to prove there is some legal grounds for tolling. In other words, do not assume you can simply file a personal injury lawsuit after the expiration of the two-year time limit unless you can cite a specific reason for tolling under Georgia law.

Georgia Court of Appeals Reinstates Lawsuit Against Alleged Hit-and-Run Driver

October 1, 2018 | Benjamin S. Persons, IV

Hit-and-run accidents are a common occurrence in Georgia. Many people are seriously injured by drivers who either do not know they caused an accident, or do know and flee to avoid taking responsibility. In either case, the victim is often left scrambling to identify the driver and take appropriate legal action to obtain compensation for their injuries.

Callaway v. Quinn

A recent decision by the Georgia Court of Appeals helps to illustrate the challenges hit-and-run accidents face in pursuing a personal injury claim. This case involves a 2015 hit-and-run accident. The plaintiff was driving her car and “stopped in traffic” when she was rear-ended by a “man driving a pickup truck” who “fled the scene.” Police investigators later found the truck abandoned in a nearby parking lot.