Perils of Settling A Personal Injury Case Without An Attorney

It is not unusual in some personal injury cases for an insurance company to offer to pay the entire limit of its policy to an injured party.  This generally occurs when the amount of damages are likely to exceed the policy limits.  In Georgia, many drivers have minimum insurance coverage, generally $25,000.  If medical expenses end up being several thousand dollars, then the insurer might offer to pay the policy limits in exchange for a full release for its insured.  In that case, however, it will be important to preserve the injured party’s rights to proceed against any other available insurance.  An unrepresented party is unlikely to know that other insurance could be available and that giving a full release in exchange for payment of the policy limits will likely deprive them of the chance to recover additional compensation from other insurance policies, especially uninsured motorist coverage that the injured party may have on their automobile insurance.

Always consult with an experienced personal injury attorney before accepting any settlement from an insurance company.  Our firm’s attorneys can assist with your personal injury case and help preserve your rights to obtain the compensation to which you are legally entitled.