Fault vs. No-Fault: Understanding Georgia’s Auto Insurance in a Car Accident

Fault vs. No-Fault: Understanding Georgia's Auto Insurance in a Car Accident

With millions of cars traveling across our state every day, motor vehicle collisions are an unfortunate fact of life. Even the most conscientious driver is statistically likely to be involved in a crash at some point in their driving career.

The aftermath of a collision can take a significant physical and emotional toll, and drivers are also faced with navigating the complexities of auto insurance. Understanding Georgia’s fault-based system is crucial for anyone involved in a car accident, as it can significantly impact your ability to     seek compensation for injuries and damages.

Georgia’s Comparative Fault Laws

Georgia operates under a fault-based system, meaning that the party responsible for the accident is also responsible for covering the resulting damages. The state follows a comparative fault model, meaning that the injured party can only seek damages if they bear less than 50% of the responsibility for the collision. Additionally, if you are found to be at fault to any extent, your compensation in a settlement or court proceeding will be reduced by your percentage of fault.

In other words, if you’re in a car accident in Georgia, determining who is at fault becomes the pivotal factor in the claims process. The at-fault driver and their insurance company are the ones who will bear the financial burden of medical bills, property damage, and other losses incurred by the other parties involved. Georgia’s fault-based approach provides an avenue for individuals to seek compensation from the party responsible for the collision, offering a more personalized and comprehensive route for recovery.

Clearly, Georgia’s auto insurance landscape requires a thorough understanding of fault determination. Attorneys for both the plaintiff and the defendant will assess various factors, such as traffic laws, witness statements, and police reports, to establish who bears responsibility for the accident. Your attorney will provide evidence that demonstrates that you were not at fault in the collision, maximizing the compensation you may receive for medical bills, lost wages, and pain and suffering.

Receiving Maximum Compensation

The intricacies of insurance claims and legal procedures can be overwhelming, but with the right guidance, you can navigate this challenging terrain. The Balams Firm is your answer to insurance companies who may seek to reduce your compensation after a wreck. ReShea Balams began her legal career representing insurance companies and self-insured employers before she discovered her real passion for advocating for clients injured through no fault of their own.

In 2018, she founded The Balams Firm, an elite personal injury law firm that specializes in personal injury, car accidents, truck accidents, slips and falls, and premises liability. We prioritize serving those who are financially and physically disadvantaged.

At The Balams Firm, we offer a free consultation to discuss the details of your case and provide personalized advice tailored to your situation. Don’t let the complexities of Georgia’s auto insurance system deter you from seeking justice. Contact us today, and let us guide you through the process of securing the compensation you need to rebuild and move forward.

The Balams Firm

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Alpharetta, GA 30009

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ReShea Balams

ReShea Balams is an award winning attorney and the founder of The Balams Firm.  Prior to answering her true calling to represent families impacted by life-changes tragedies, ReShea gained invaluable experience and insight as an attorney for large insurance companies.  She is known for her record of exceptional results on behalf of clients, and is a zealous advocate for injury victims.

  • American Association for Justice
  • Georgia Trial Lawyers Association
  • Atlanta Bar Association
  • Gate City Bar Association
  • The National Crime Victim Bar Association
  • State Bar of Georgia
  • The National Trial Lawyers - Top 40 Under 40
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