insurance

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.

Georgia Court Rejects Insurer’s Initial Attempt to Avoid Accident Coverage

September 13, 2019 | Benjamin S. Persons, IV

When it comes to personal injury lawsuits, many plaintiffs do not only need to contend with the negligent defendant. They also need to deal with the negligent defendant’s insurance company. Even where the insurer has a contractual duty to indemnify and defend a policyholder, you can rest assured that the company will make every legal effort to avoid providing coverage.

ACCC Insurance Company v. Walker

Take this ongoing lawsuit, ACCC Insurance Company of Georgia v. Walker. This case involves a 2015 auto accident. The defendant was one of the parties involved in the accident. He subsequently filed a personal injury lawsuit against two men, who were insured by the plaintiff, ACCC Insurance.

Judge: Insurance Company Did Not Act in “Bad Faith” by Asking Motorcycle Accident Victim to Place Settlement Funds in Escrow

July 26, 2019 | Benjamin S. Persons, IV

When a person is seriously injured in a motor vehicle accident, the responsible insurance company may face conflicting obligations under Georgia law. On the one hand, the insurer must settle a valid claim in good faith. For example, if an insurer knows its policyholder is responsible for causing an accident, a refusal to settle with the victim can make the insurer liable for any excess personal injury award against the negligent driver.

On the other hand, an insurer may also be responsible to any medical provider that files a lien after providing services to the accident victim. That is to say, if the insurer simply cuts a check to the victim without first checking to see if there are any hospital liens, the hospital could turn around and sue the insurer for the amount owed (plus additional damages).

Kemper v. Equity Insurance Company

Appeals Court Upholds $2.2 Million Award to Injured Gambling Ship Passenger

May 21, 2019 | Benjamin S. Persons, IV

One of the biggest mistakes a person can make following a serious accident is to not contact a lawyer. In some cases, the negligent party who caused the accident will try and convince the victim that it is unnecessary to speak with an attorney. The negligent party may even make promises to “take care of” the victim’s damages without the need for them to file a personal injury lawsuit.

Golden Isles Cruise Lines, Inc. v. Lowie

Unfortunately, such promises may be nothing more than a delaying tactic. The negligent party may simply be trying to keep the victim from filing a claim until it is too late–i.e., after the statute of limitations has expired.

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.

Ga. Court of Appeals Holds State Insolvency Pool Entitled to “Offset” Claims Using Other “Primary” Insurance Coverage

March 15, 2019 | Benjamin S. Persons, IV

All Georgia employers are required to have workers’ compensation insurance. This provides medical and wage replacement benefits to employees who are injured in the course of their employment. For example, if you are in a car accident while driving a company-owned vehicle to make a sales call, you would be eligible for workers’ compensation benefits.

What happens when your employer’s insurance company is insolvent, i.e., it cannot pay out your claim? In that case, the Georgia Insurers Insolvency Pool takes over. This is a nonprofit entity that effectively steps into the shoes of the insolvent insurer and pays any outstanding workers’ compensation claims.

Georgia Insurers Insolvency Pool v. Dubose

Can You Owe Your Own Insurance Company Money After Winning a Personal Injury Judgment?

January 18, 2019 | Benjamin S. Persons, IV

Following a car accident, you may receive certain benefits from your own insurance company. If you later end up suing a negligent third party for damages related to the accident, your insurer may have the right to recover part of any money you receive from the case. To put it another way, you may not be allowed to recover twice for the same injury–once from your insurance company, and then again from the negligent driver in court.

Appling v. State Farm Fire and Casualty

A recent Georgia Court of Appeals decision, Appling v. State Farm Fire & Casualty, offers a helpful example. In 2013, the plaintiff was injured in a car accident. The other driver’s insurance company agreed to settle with the plaintiff for the limits of the policy, which was $25,000. As this was not enough to compensate the plaintiff for his total injuries, he then filed a claim with his own uninsured/underinsured motorist (UM) carrier, which was State Farm.

How do You Settle a Personal Injury Claim with an Insurance Company in Georgia?

September 7, 2018 | Benjamin S. Persons, IV

Georgia law creates a mechanism to settle personal injury claims arising from a motor vehicle accident prior to the filing of a lawsuit. Under this law, a settlement offer made by one party to the other must contain the following terms:

a time period to accept the offer, which may not be less than 30 days after it is received by the other party;
the amount of money to be paid;

Atlanta Judge Rules Commercial Insurer Not Liable for Abduction, Sexual Assault of Woman Outside of Restaurant

August 17, 2018 | Benjamin S. Persons, IV

Not all personal injury claims are the result of accidents. There are many situations in which a victim is injured by the deliberate–even criminal–conduct of one or more parties. Victims often face additional legal challenges when seeking compensation for such injuries, in part because many insurance companies will not indemnify the responsible parties against criminal acts.

Capitol Specialty Insurance Corporation v. PTAV, Inc.

A recent decision by a federal judge in Atlanta helps to illustrate this problem. This case involves a Marietta woman–identified in court records only as “P.M.”–who was abducted, robbed, and sexually assaulted multiple times by a group of men. The abduction itself occurred in the parking lot at a commercial center.