How Does A Georgia Workman’s Comp Work? How To File A Claim?

The worst has happened, and you now have to get yourself recourse through the law. However, you may not be entirely familiar with the process or even where to begin. Aside from that, you may not know whether or not you are eligible to file a lawsuit.

Here are a few things to know before getting a workers’ comp claim.

What qualifies as a workplace injury? 

Well, according to the law, this is an injury that was sustained while you were undertaking your duties according to your terms of employment. This could either be at the business premises, or in transit from one location to the other.

For more information, get in touch with us. We’ll guide you through the necessary steps to determine whether you are eligible to file a suit.

What makes you eligible?

This is the simplest of requirements. You only need to have been an employee of the particular business you want to file a claim against.

Dockworkers have the option of filing with the State of Georgia Workers Compensation or the Federal government.

How to file a claim?

You first have to notify your employer of your injury. This has to be done within 30 days if your employer did not witness the accident. Once notified, you have up to 12 months to file a claim with the State using a WC-14 form.

What happens if you miss the deadline?

Some injuries are immediate, and others take some time to manifest, leading you to miss the deadline. For you to be given an exemption, you will have to write a letter to the Workers Compensation commission explaining why. Even if accepted, apart, or even your whole claim may be forfeited.

Then, what next?

If your employer doesn’t pay on time or even refuses to pay altogether, you can forward the matter to the board, and they will institute hearings. In attendance will be your employer and their insurance, yourself and your representative.

If the hearing does not go according to your wish, you are still able to appeal the decision using the State’s court system. You will need an experienced Worker’s Comp lawyer in Atlanta who can handle every step of the process. Look for the most trusted law firms in your area now!

Three Insurance Coverage Types for Car Accidents

A car accident can be quite stressful in monetary, emotional, and physical aspects for all parties involved. Insurance companies try and help ease the stress by offering consumers different car insurance policy coverage for such occasions.

Here’s an overview of the three types of insurance coverage for car accidents:

PiP or Personal Insurance Protection

Personal insurance protection is also called personal injury protection. It is an extension of a car insurance policy that covers medical expenses and lost wages. It can also cover service replacement, rehabilitation and funeral expenses.

Also known as no-fault coverage meaning that regardless of which driver caused the car accident, this insurance may cover some of the medical expenses for both the policyholder and the other persons in the car with the policyholder at the time of the accident.

Unlike other types of insurance, monetary compensation is issued as soon as possible for the insured party. No investigations needed.

Medical Payments Coverage

Medical payments coverage is also called Med Pay. It helps pay the medical bills that you and your passengers may incur during a car accident regardless of who is at fault.

It is different from PiP in that it only covers medical bills. This would be ambulance and hospital bills, doctor visits, and any other medical treatments that are necessary to your recovery.

Uninsured Motorist Coverage

Generally, we assume that if a car gets involved in an accident, the at-fault driver’s insurance would cover for the damage incurred. This, however, is not always the case.

The uninsured motorist coverage helps protect you against drivers who either do not have third party liability insurance or do not have enough money to cover the expenses for the damage and injury they cause.

This type of coverage is divided into the uninsured motorist property damage and the uninsured motorist bodily injury. The former pays for covered damages to your property while the latter pays for covered lost wages, medical expenses, and other damages.

Now that you have an idea of what each type covers, isn’t it about time for you to think which would best fit your need?

Things to Know About Third Party Liability Coverage for Car Accidents

We often hear the term “third party liability coverage” for an insurance policy but what does it really mean and are you covered in case of a car accident?

A third-party liability coverage is the part of the insurance policy that protects drivers if they are legally held responsible for a car accident that led to physical injury of the other person. This includes the damage caused to someone else’s property.

Third Party Compensation Only

The most basic thing you need to understand is that under third party liability coverage, it only compensates the third party. It will not provide compensation for insured persons under your car insurance policy.

If you get injured during a car accident but are insured under your car insurance policy, this does not apply to you. It also does not apply to other persons in your party that are also insured under your car insurance policy.

Limited Coverage

Third party liability coverage is always purchased in a certain amount. This sets the limits of liability, which refers to the maximum compensation that your insurer will pay to the offended party and in total for one incident.

Not Your Fault

Third party liability coverage is only applicable if the car accident is not your fault. If you are found to be at fault, whether solely or in part, for the car accident, you will not receive any compensation.

Family and Other Members of the Household

Generally, third party liability coverage of car insurance policies not only cover the driver. It also extends to the immediate family or other members of the household. Other persons who were given permission to use your vehicle are also covered.

One thing to remember here is that your policy will only be applicable for the insured members if they are occupying or driving the insured vehicle at the time of the car accident.

On the other hand, you can file a claim against the other person’s third liability policy regardless of what vehicle you are riding in when the car accident occurred.

Don’t hesitate to send me an email if you need further clarification or have any questions about third party liability coverage.

Top 3 Car Accident Factors that Affect Settlement Claims

You suddenly found yourself involved in a car accident that caused you harm.

Your plan is to file an insurance claim to receive compensation. Sounds like a good plan!

You then find yourself asking – how much compensation would you receive? Would it be enough to cover your medical bills, car repair bills, and even unpaid salary due to time off from work? Will it include the emotional pain and suffering that I am experiencing?

Worry no longer! To give you a better idea on the amount of potential compensation you can receive, here’s a list of the top 3 factors that can affect your claim due to a car accident injury:

Cost of Current Damage

The cost of current damage factor is the easiest to prove. These will include:

Incurred medical bills due to the car accident;

Unpaid salary due to time off from work while recuperating; and

Damage to property (degree of damage to your car).

Estimated Cost of Future Damage

The estimated cost of future damage factor can be a bit difficult to prove since it is basically an estimation for your expected expenses. These will include:

Future medical bills during recuperation; and

Unpaid salary due to additional time off from work if an extended recuperation period is needed.

I would recommend asking for an expert’s assistance, so you get a fair estimation of future expense costs.

Emotional Injury or Non-Economic Damage

The emotional injury or non-economic damage factor would probably be the hardest among these 3 factors.

Aside from physical injury, the victim would also experience a degree of pain and suffering, which are identified as emotional injury.

Realistically, you can’t put a price on pain and suffering. However, it can and will affect your quality of life. In this case,  your best option would be to seek assistance from an expert who is well-versed on this type of injury.

Overall, it would always be a good plan to hire a car accident lawyer to guarantee that you get the correct settlement amount.