Articles Posted in Auto Accidents

On September 3, a federal appeals court asked the Georgia Supreme Court to clarify whether an insurance company must pay out “uninsured motorist” (UM) benefits for an accident caused by an agent of the State of Georgia. The question arose from a federal judge’s ruling last December holding an insurer liable under such circumstances. The appeals court delayed considering the insurer’s appeal pending the Georgia Supreme Court’s clarification.

FCCI Insurance Company v. McLendon Enterprises, Inc.

This case began with a traffic accident. The plaintiffs are the driver and owner of a vehicle that collided with a school bus owned by Evans County, Georgia. After settling with Evans County for the maximum limit of its insurance policy, the plaintiffs sought uninsured motorist benefits from their own insurer, FCCI. FCCI balked, and asked a federal judge to declare it owed nothing to the plaintiffs.

Not all motor vehicle accidents include an automobile or truck. Off-road or all-terrain vehicles (ATVs) are involved of hundreds of accidents and fatalities each year. The staff of the U.S. Consumer Product Safety Commission (CPSC) recently released a report on ATV accidents that took place between 1982 and 2012. The CPSC has regulated ATV safety standards in the United States since 2009.

The CPSC’s Findings

The CPSC defines an ATV as “an off-road, motorized vehicle having three or four low-pressure tires, a straddle seat for the operator, and handlebars for steering control.” New ATVs must be four-wheel vehicles, as CPSC regulations ban the importation or sale of three-wheel ATVs. Vehicles with steering wheels and bucket seats, such as a golf cart, are not classified as ATVs.

In a personal injury or wrongful death lawsuit, it is not enough to show the defendant was at fault for the plaintiff’s injuries. Under Georgia law, a plaintiff cannot recover damages if he or she is “50 percent or more responsible” for the injuries suffered. The question of responsibility is typically decided by a jury. In some cases, a trial judge may grant one party summary judgment if he or she determines there is no genuine dispute over the facts. But judges must be careful not to short-circuit the trial process, as the Georgia Court of Appeals explained in one recent case.

Reed v. Carolina Casualty Insurance Company

In 2008, a commercial tractor-trailer driver parked his vehicle in an emergency lane at the intersection of Interstate 285 and Interstate 75 in Cobb County. It was early in the morning and the driver wanted to rest. Nevertheless, parking in an emergency lane violates Georgia traffic laws.

General Motors recently issued a sweeping recall for a more than 2.5 million vehicles sold between 2005 and 2011. The recall includes the Chevrolet Cobalt, Pontiac G5, Saturn Ion, Chevrolet HHR, Pontiac Solstice and Saturn Sky models. According to GM, the vehicles have a defective ignition switch that affects the operation of the airbag system.

This is not a minor safety issue. GM itself acknowledged their faulty ignition switches can be linked to at least 31 motor vehicle accidents and 13 deaths. The Detroit-based automaker now faces a number of lawsuits, including a class action complaint filed in Texas seeking upwards of $10 billion for GM customers who purchased the defective vehicles. Another lawsuit, filed in San Francisco, claims GM’s efforts to fix the recalled vehicles are “insufficient” and that there is a second ignition-switch defect the company has yet to address. Altogether, GM has been been named a defendant in at least 37 cases spanning 17 separate federal courts. In addition to litigation, multiple government agencies, including the United States Department of Justice and the National Highway Traffic Safety Administration, have opened investigations into GM’s mismanagement.

Will GM Escape Responsibility?

What happens when you get in an automobile accident where the other driver is never identified? If you have uninsured motorist coverage, your insurer should cover the damages. Georgia law defines a vehicle as uninsured when “the owner or operator of the motor vehicle is unknown.” But there must be adequate proof an accident occurred. This was the subject of a recent Georgia Court of Appeals decision, which illustrates the legal burden of proof in these so-called “phantom driver” cases.

Leslie v. Doe

The plaintiff in this case was driving down Highway 138 near a shopping center in Fulton County. He lost control of his vehicle when he swerved to avoid an unidentified vehicle that had just pulled out of the shopping center’s parking lot. The sudden swerving caused the driver to lose control of his vehicle, which flipped over several times and crashed. The other vehicle continued without stopping and was never identified.

Dealing with insurance companies is one of the many unpleasant consequences of a motor vehicle accident. Insurers often look to dispose of claims quickly. And while that may also be in the victim’s interest, it’s important not to get railroaded by an overzealous insurer. A recent decision by the Georgia Court of Appeals highlights one such insurer who insisted there was a settlement when, in fact, there was not.

Kemper v. Brown

The victim in this case was driving her motorcycle in March 2012. She was hit by another vehicle. The other driver was clearly at fault–he had been drinking and driving recklessly.

An “uninsured motorist” policy provides coverage to the insured when he or she is the victim of an accident caused by another party that has insufficient resources to pay the full amount of any legal damages. In this context, “uninsured” also means under-insured. Thus, for example, if Driver A is in an accident caused by Driver B, and Driver B’s insurance only covers half of the damages awarded in a subsequent lawsuit, Driver A’s uninsured motorist carrier would pay the remaining half.

But what if Driver B is an agent of the State of Georgia? Normally, state agencies (and their employees) enjoy “sovereign immunity” from most civil lawsuits. The idea is that a state cannot be sued in its own courts without its consent, which is normally granted through legislation. However, when a local government in Georgia purchases liability insurance, sovereign immunity is waived up to the limit of said policy. What does this mean for accident victims with uninsured motorist coverage? A federal judge in Savannah recently attempted to answer this very question.

FCCI Insurance Company v. McLendon Enterprises, Inc.

If you’re in a motor-vehicle accident, it can matter a great deal who owns the offending vehicle, at least when it comes to assessing legal liability. The State of Georgia and its subsidiaries, including cities and counties, are immune from most lawsuits arising from the negligent operation of vehicles by their employees. This “sovereign immunity” can extend even to egregious cases of failure to maintain vehicles in proper working order, as a recent decision by the Georgia Court of Appeals illustrates.

City of Milledgeville v. Primus

Lucious Primus is an officer with the Georgia Department of Corrections. In 2006, Primus had to transport an inmate from a work detail in Milledgeville back to a nearby prison. The City of Milledgeville owned and maintained the bus Primus was driving. On this particular day, the brakes on the bus failed, causing Primus to drive off the road and hit a utility pole, injuring his neck and shoulders.

If you’ve been in an automobile accident due to another driver’s negligence, and that driver’s insurance company asks you to sign a limited liability release in exchange for receiving compensation, it’s important you understand exactly what future legal rights you may be signing away. Even if you think a release may not cover some future claims, a judge may not see it that way. A recent case in a Georgia federal court helps illustrate this point.

Watford v. Cowart

This case began with a car accident in Cook County in late 2012. The plaintiff accused the defendant of negligence and sought punitive damages and attorney’s fees in addition to compensatory damages. The defendant admitted negligence (and operating a vehicle under the influence of alcohol) and her insurance company paid the plaintiff $300,000, the coverage limit on the policy. The plaintiff also has separate uninsured motorist coverage. In exchange for the $300,000, the plaintiff signed a limited liability release applicable to all claims for damages and injuries arising from the automobile accident, except to the extent provided by the plaintiff’s uninsured motorist policy.

Although it’s commonly said that police “protect and serve,” a local government is not necessarily liable when its sworn officers fail to protect the general public from harm. In a 1993 decision, the Georgia Supreme Court adopted what became known as a “public duty doctrine.” This doctrine holds that a municipality can only be liable for nonfeasance–a police officer’s failure to act–if there’s a “special relationship” between the individual alleging negligence and the local government. As defined by the Georgia Supreme Court, this means the police must give the person “an explicit assurance” of protection or assistance that the person then relies upon to his or her detriment.

Stevenson v. City of Doraville

Recently, the Supreme Court considered the application of the public duty doctrine to a negligence lawsuit arising from a multi-car traffic accident in DeKalb County. During a rainstorm one evening, a driver on Interstate 285 experienced car trouble. The driver was in the lane nearest the median. He attempted to cross six lanes and bring his car onto the shoulder, but the car stalled in the middle of the road.

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