Auto Accidents

Does a Fianceé Qualify for Accident Benefits Under a Car Insurance Policy?

January 31, 2018 | Benjamin S. Persons, IV

One of the recurring questions that arise in personal injury cases is determining who is covered by an auto insurance policy. Since most claims are paid via some form of insurance, whether it is that of the negligent driver or the victim’s own uninsured motorist coverage, it is critical to ascertain from the outset who is and is not covered. Rest assured, the insurance company will make every effort to deny coverage if it has a plausible legal reason to do so.

Stanley v. Government Employees Insurance Company

The Georgia Court of Appeals recently addressed an interesting variant of our recurring question: Does an uninsured motorist (UM) policy cover the fianceé (or common law spouse) of a named insured? The plaintiff in this personal injury case was driving a vehicle owned by his employer when he was the victim of a head-on collision with another driver. The plaintiff sustained serious injuries and sued the other driver for negligence.

Waiting to Notify Your Insurance Company About an Accident can Come Back to Haunt You

December 29, 2017 | Benjamin S. Persons, IV

Dealing with an insurance company following a car accident can be a major hassle. As a result, some accident victims simply put it off. This is almost always a mistake. It is not simply a good idea to notify your insurer of your accident in a timely manner. In many cases, you can be denied coverage when you later file a claim.

Sharpe v. Great Midwest Insurance Company

Here is a recent Georgia Court of Appeals decision that illustrates how unforgiving judges can be when it comes to enforcing notification requirements. This case arises from a 2013 truck accident in Statesboro. The plaintiff was driving a vehicle owned by his employer when he was rear-ended by another vehicle. As a result of the accident, the plaintiff sustained a serious neck injury.

Monroe County Sheriff Faces Personal Injury Claim Over Reckless High-Speed Chase

December 15, 2017 | Benjamin S. Persons, IV

High-speed police chases make for exciting footage on local newscasts. They also pose a very real danger to the general public. When law enforcement officials make the decision to initiate or continue a chase, they must be mindful of other motorists on the road. If police recklessness leads to the injury or death of an innocent party, the government may be held accountable in court.

Wingler v. White

This is not to say that every personal injury claim arising from a police chase will be upheld in court. To the contrary, Georgia law sets strict limits on which such lawsuits may be heard. In order to get around the “sovereign immunity” of the state and its municipalities, Georgia courts have said that a victim must prove that his or her losses arose from the “negligent use” of a police vehicle where the officers “acted with reckless disregard for proper law enforcement procedures in pursuing a fleeing suspect.”

Does Violating Traffic Laws Make a Georgia Driver Liable for Punitive Damages?

December 8, 2017 | Benjamin S. Persons, IV

Punitive damages are an extraordinary remedy available in only certain personal injury cases. Under Georgia law, a plaintiff can only seek punitive damages if the evidence shows the defendant’s actions demonstrated “willful misconduct, malice, fraud, wantonness, oppression, or that entire want of care which would raise the presumption of conscious indifference to consequences.” Since punitive damages are meant to deter outrageous conduct such as drunk driving, rather than compensate the victim for his or her injuries, it is not enough to prove simple or gross negligence on the part of the defendant.

Amoateng v. Nickerson

In the context of a car accident, a driver is considered negligent “per se”–i.e., as a matter of law–if he or she fails to follow the rules of the road. For example, if a driver runs a red light and hits another vehicle in the intersection, that is a case of negligence per se. This means the driver of the other car would be entitled to compensatory damages for his or her injuries.

Georgia Supreme Court Revives Bus Accident Lawsuit

July 16, 2017 | Benjamin S. Persons, IV

While personal injury cases arising from motor vehicle accidents tend to involve cars or trucks, it is important not to overlook other kinds of vehicles such as buses. For instance, the Atlanta Journal-Constitution reported last December that there were “more than 700 accidents” involving school buses in Metro Atlanta during 2016–a rate of nearly two per day. These accidents resulted in over 300 injuries to students and teachers.

Croy v. Whitfield County

Bus operators, including school districts and public transit agencies, can be held liable for damages when driver negligence leads to passenger injury. Personal injury lawsuits against public agencies in Georgia are often complicated by additional notification requirements. Since the State of Georgia and its political subdivisions are normally immune from personal injury claims, plaintiffs must strictly comply with these requirements just to have their cases heard.

Are Pedestrian Accidents Always the Driver’s Fault?

June 15, 2017 | Benjamin S. Persons, IV

The Atlanta region is widely known as one of the most dangerous metropolitan areas for pedestrians. All Georgia drivers have a legal duty to stop and yield to a pedestrian in a crosswalk. But pedestrians must also exercise care. Among other things, if a pedestrian crosses a road outside of a clearly marked crosswalk, he or she must yield to traffic. A pedestrian who ignores this rule assumes the risk of injury and may not be able to win a personal injury claim if hit by a car.

Politzer v. Xiaoyan

Here is an example of how Georgia courts will not show much sympathy for a pedestrian who fails to follow the rules of the road. The plaintiff in this case was out walking in her neighborhood one evening. It was already dark out and the plaintiff was wearing mostly black clothing. As she was completing her walk and returning home, the plaintiff crossed a road outside of the crosswalk, which she claimed was “unsafe” because drivers were known to speed through the intersection without stopping and yielding to pedestrians.

How Can an Umbrella Policy Protect Me Following a Car Accident?

May 26, 2017 | Benjamin S. Persons, IV

Many Georgia residents take out “umbrella” policies to provide extra insurance protection in the event of an accident. An umbrella policy provides liability coverage above and beyond standard homeowners or automobile insurance. For example, let’s say your auto insurance policy provides $25,000 in coverage for bodily injury. You get into an accident and the other driver sues you for damages. The court awards the driver $100,000, which obviously exceeds your policy limit. At this point, if you have an umbrella policy, which typically provides coverage in the millions of dollars, it would cover the rest of the judgment.

Massey v. Allstate Insurance Company

You can also purchase an umbrella policy for uninsured motorist coverage. This refers to insurance that pays for injuries that you sustain in an accident caused by another driver who either has no insurance or lacks sufficient coverage to pay for your total damages. Georgia law requires all insurers to offer uninsured motorist coverage of at least $25,000 for bodily injury to a single person (or $50,000 for multiple people injured in the same accident). The customer has the option of rejecting UM coverage, but it must be offered.

Company Insurer Liable for Drunk Driving Employee’s Accident

February 22, 2017 | Benjamin S. Persons, IV

If a reckless driver injures someone in a car accident, the driver may not be the only person liable for damages. If the driver was operating a vehicle owned by his or her employer, the employer may be vicariously liable for the victim’s injuries. If the employer had the vehicle insured, the insurance company may bear the ultimate financial responsibility.

Great American Alliance Insurance Co. v. Anderson

Of course, insurance companies often will not pay out without a fight. With respect to automobile insurance, policies often exclude coverage for employer-owned vehicles that are not used with the employer’s permission. What precisely constitutes “permission” can be difficult to determine.

Atlanta Judge Says Seatbelt Producer Not Liable in Fatal Accident

January 14, 2017 | Benjamin S. Persons, IV

Many Georgia car accidents are the result of a defect in the vehicle itself. Georgia product liability law recognizes three types of defects: manufacturing defects, design defects, and warning defects. The second group, design defects, includes any product that is not “reasonably suited to the use intended.” This means, for instance, that a product manufacturer may be held liable for damages if it selected an inappropriate or unsafe design.

Andrews v. Autoliv Japan, Ltd.

A design defect claim will only succeed if the plaintiff can prove the defendant actively participated in the design. Not every party who may have contributed some part of a vehicle is considered responsible for its design. A recent decision by a federal judge in Atlanta offers a helpful illustration.

Understanding the Legal and Safety Risks of Texting While Driving

January 7, 2017 | Benjamin S. Persons, IV

“Keep your eyes on the road,” is something every parent tells their teenager when teaching them how to drive. But paying attention to the road has become increasingly difficult in recent years with the advent of smartphone technology that makes it easy for people to text or chat with their friends while driving. “Distracted driving” is now considered a public safety problem on par with drunk driving.

More Than 3,000 Distracted Driving Deaths Every Year

The dangers of distracted driving are quite real. According to a recent New York Times article, the National Highway Traffic Safety Administration found that 272 teenagers were killed throughout the country in 2015 in “distraction-affected” car accidents. Overall, 3,263 out of 3,477 crash-related deaths in 2015–94%–involved distracted driving.