Part 1: Buying Georgia Automobile Insurance
Chapter 1 | Understand the Types of
Insurance Available on an Auto Policy . . . . . . . . . . . . . . . . . . . . 15
Chapter 2 | Determine What Coverage You Have. . . . . . . . . . . . . . . 21
Chapter 3 | Get a Quote on Increasing Your
Insurance Limits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Chapter 4 | Compare Your Insurance
Company’s Rates and Service. . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

Part 2: Dealing with a Car Accident in Georgia
Chapter 5 | Quick Dos and Don’ts after a
Georgia Car Accident. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Chapter 6 | Action Items after a Car Accident. . . . . . . . . . . . . . . . . . 35
Chapter 7 | How to Read a Georgia Accident
Report. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Chapter 8 | Assess Insurance Coverage. . . . . . . . . . . . . . . . . . . . . . . . 40
Chapter 9 | Property Damage Issues. . . . . . . . . . . . . . . . . . . . . . . . . . 45
Chapter 10 | Understanding Injury Cases. . . . . . . . . . . . . . . . . . . . . . 49
Chapter 11 | “What is my Auto Collision
Case Worth?”. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
Chapter 12 | “Do I Need a Lawyer to Handle
My Case?” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
Chapter 13 | Putting Together a Demand
Package. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
Chapter 14 | Negotiating Your Claim . . . . . . . . . . . . . . . . . . . . . . . . . 70

Part 3: Hiring a Lawyer
Chapter 15 | “How Do I Choose a Good Lawyer?”. . . . . . . . . . . . . . 73
Chapter 16 | “How Long Will It Take a
Lawyer to Resolve My Car Accident Case?”. . . . . . . . . . . . . . . . 76

Part 4: Legal Issues
Chapter 17 | The Deadline—the Statute of
Limitations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79
Chapter 18 | “Should I Just Pay the Traffic Ticket?” . . . . . . . . . . . . . 83
Chapter 19 | Who Pays for the Medical Bills
after the Crash?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81
Chapter 20 | “Why is the Hospital Trying to
Send the Bill to the Other Car
Insurance Company instead of to
My Health Insurance?” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83
Chapter 21 | Understanding Georgia Medical
Liens . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84
Chapter 22 | Entities that Will Try to Take
Away Parts of Your Settlement. . . . . . . . . . . . . . . . . . . . . . . . . . . 86
Chapter 23 | What to Do If You Caused the Crash. . . . . . . . . . . . . . 88

About the Author. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 94
Exhibit A | Wage and Salary Verification. . . . . . . . . . . . . . . . . . . . . . 96
Exhibit B | Sample Insurance Settlement Demand Letter. . . . . . . . . 98
Exhibit C | Settlement Demand Worksheet. . . . . . . . . . . . . . . . . . . 101
Exhibit D | Medical Records Request Sample Letter. . . . . . . . . . . . 103
Exhibit E | Hospital Insurance Payment Sample Letter . . . . . . . . . 104