Recovering Your Losses After a Single Vehicle Accident in Atlanta
The options for recovering your losses after suffering serious injuries in a single vehicle accident depend on the factors involved in your crash. You may be limited to filing a claim under your own auto insurance policy (if you have coverage available), or you may be able to file a claim against someone else to recover your losses:
- Medical Payments (Med Pay) Insurance – If you have Med Pay under your auto insurance policy, you can use this to help cover the expenses you incur due to the crash. Med Pay is “no-fault” coverage—so you can file a claim regardless of what happened—but policy limits are typically relatively low.
- Bodily Injury Liability (BIL) and/or Uninsured/Underinsured Motorist (UIM) Insurance – If you didn’t get hit, but another driver forced you off the road, you may be entitled to coverage under the driver’s BIL policy even though there was no collision. If the other driver fled the scene, or if the other driver’s insurance isn’t enough, you may also be able to file a claim under your UIM policy (if you have one).
- Vehicle Defects and Faulty Repairs – If you crashed because of an issue with your vehicle, you could have a claim against its manufacturer based on a vehicle defect. Or, if the issue was the result of a faulty repair, the repair shop or dealership that worked on your vehicle could be liable.
- Road Hazards and Defects – Did you crash because of an issue with the road? If so, then the government agency responsible for building or maintaining the road could be liable for your injuries. If this agency hired a contractor to work on the road, then you may have a claim against the contractor.
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