Fighting to help you recover damages
When you’re injured in an auto accident caused by a negligent driver, that individual’s insurance policy is supposed to cover your medical costs, property damage repairs or replacement, lost wages and other damages. Unfortunately, despite Georgia laws requiring motorists to carry minimum liability insurance of at least $25,000, some drivers take their chances and drive uninsured. Other drivers carry only the minimum coverage, which does not adequately cover the expenses for most serious injuries. Often, uninsured and underinsured motorists suffer no consequences, but their victims do. If you or your loved one suffered an injury in an auto accident caused by an underinsured or uninsured motorist, your own insurance policy may hold the key to obtaining full and rightful compensation. A skilled lawyer from Nicholson Phillips can help you file a lawsuit.
What is UM/UIM coverage?
Uninsured motorist/underinsured motorist (UM/UIM) coverage is a provision in your own auto insurance policy that covers you in case a driver with inadequate insurance causes you or any of your passengers bodily injury. In these cases, an injury attorney from the Nicholson Phillips can help you file a claim with your own insurance company, as though it is the liable party. Your insurer essentially steps in and covers you in the way that the negligent driver’s insurer would have.
Types of UM/UIM coverage available
In Georgia, an uninsured/underinsured motorist provision is not required for policyholders, nor is it included in what is considered “full” coverage. However, most injury lawyers and insurance agents agree that it is useful protection.
There are two types of UM/UIM coverage available:
Stackable — Stackable UM/UIM coverage can be added to or stacked on top of the negligent driver’s existing insurance. With this type of coverage, you’d be entitled to the total amount of insurance provided by both policies combined.
Non-stackable — A non-stackable UM/UIM policy only covers the difference between the two policies. For example, if the negligent driver’s policy insures up to $25,000, and your UM/UIM policy insures up to $100,000, you would only receive $75,000 from your insurer.
When we use public transportation or share the road with public transportation vehicles, we trust bus drivers and those responsible for bus maintenance to consider our safety. But bus drivers sometimes fail to properly operate their vehicles, and buses may malfunction due to lack of upkeep. Any resulting accidents can cause serious injury to many people. At Nicholson Phillips in Marietta, we advocate for pedestrians, passengers and other motorists who are injured in bus accidents resulting from a bus driver’s or a transportation company’s negligence. We help clients obtain fair compensation for all medical costs, property damage, wage loss, and emotional pain and suffering associated with their bus accident injuries.
About bus accidents
Because they carry so many travelers at once, buses have the potential to injure a number of people in a single accident. In fact, 2008 data from the Federal Motor Carrier Safety Administration (FMCSA) showed 24,000 individuals were injured in 11,000 crashes. All types of buses were included in this statistic, including the following:
- MARTA buses
- Commercial coaches (Peter Pan, Megabus, Greyhound, etc.)
- Airport shuttles
- School buses
- Tour buses
- Church buses and vans with a capacity of more than 10 people
- Prison buses
How does negligence play a role in bus accidents?
Bus drivers and bus companies can be found negligent and therefore liable for accidents and subsequent injuries, depending on the circumstances. For instance, bus drivers who are drunk when they cause accidents or who run red lights and hit pedestrians or other vehicles could be held liable. However, the bus company who hired the driver would be negligent if it failed to follow federal and state regulations for hiring personnel and performing maintenance on the fleet of vehicles and this failure caused a bus accident. If you believe your bus accident resulted from any of the following types of negligence, consult an injury lawyer to learn about your options for filing a claim:
- Failure to check driving records and confirm bus license certifications
- Lack of vehicle maintenance
- Lack of proper driver training
- Other bus company oversight
- Overloaded buses
- Failure of the driver to follow traffic signs and laws
- Driver fatigue
- Driver distraction
- Driver criminal behavior
Help when a negligent driver injures you
Pedestrians and bicyclists share an important connection — for both, their chosen modes of transportation offer little to no protection from negligent drivers who can cause serious catastrophic injuries or even death. We at Nicholson Phillips in Marietta are passionate about protecting the rights of accident victims. With nearly 30 years of experience serving Canton and the rest of northern Georgia, we help you file for rightful compensation from the negligent driver responsible for your injuries.
About knockdowns and other pedestrian injuries
Pedestrian accidents, such as knockdowns, are most often a result of the careless actions of negligent drivers who are distracted or speeding. If you are a pedestrian commuting to work or another destination, any time a driver fails to see you or loses control of a vehicle, you could be knocked down. If this has happened to you, you need a competent, aggressive injury lawyer,
Georgia pedestrian laws protect you if a negligent driver strikes you or your loved one in any of the following situations:
- Crossing the street at a crosswalk or street corner
- Walking along a roadway
- Walking on the sidewalk
- Walking across or walking the perimeter of a parking lot
As an injured pedestrian in northern Georgia, you can seek compensation for medical bills and loss of earnings from the insurance company just the same as if you were injured because of a negligent property owner. If the fault or negligence is clear, a Marietta, GA pedestrian accident lawyer can help you file a claim to recover damages.
How bicyclists are affected
Similar to pedestrians, bicyclists can suffer serious injury in knockdown accidents. But bikers face other risks from sharing the roadway with motorists. For example, “dooring” occurs when someone in a parked car opens the vehicle’s door without looking and hits a passing bicyclist, usually knocking the person over, sometimes into traffic. This is a particular danger in urban and semi-urban areas throughout northern Georgia. Additionally, drivers who try to pass bikes on narrow streets can accidentally strike cyclists or even run them off the road.
Even when abiding by Georgia bicycle helmet law, you and your loved ones can still suffer serious or fatal injuries from knockdowns and other collisions with cars. When you need a skilled attorney to advocate for you, our team knows how to help you obtain rightful compensation. We can also protect you from insurance tactics designed to limit or eliminate your compensation after a bicycle accident and injury.