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Bringing the Right Experience and Legal Insight to Georgia

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According to an Atlanta Journal Constitution article, two adults were injured early this morning when a wrong-way driver crashed into a car head-on on I-85 in DeKalb County, Georgia. Numerous calls were placed to DeKalb County police around 2 a.m. from eyewitnesses. The collision occurred at Clairmont Road in DeKalb County.

The wrong-way driver has been identified as John Mims, a 34 year old from Cedar Rapids, Iowa. The victim in the other vehicle has been identified as Erin McPherson, a 19 year old from Alpharetta, Georgia. Ms. McPherson was operating a Ford Focus, a rather small vehicle.
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On September 22, 2011, John Harof and Alexander Delor, two freshmen from the Georgia College and State University were killed in a single car accident in Milledgeville, Baldwin County, Georgia. The two men had graduated together from the Collins Hill High School in Suwanee, Georgia last year. The Atlanta Journal Constitution article references that Christian Smith was operating a MINI Cooper when he allegedly lost control of the vehicle.
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On Sunday, September 18, 2011, a one year old baby named Olivia Hellwig, died as the result of injuries sustained from a collision between an SUV that was backing out of a parking lot and the baby’s stroller. According to the Atlanta Journal-Constitution, Gwinnett police investigators are scratching their collective heads trying to determine what crime to charge the motorist and the mother of Olivia. As is stands now, the police investigation has allegedly concluded that the mother, Brooke Hellwig, and Tekila Glass, operator of the SUV, are equally at fault for causing the death of the baby.
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In Georgia, the injured person has the ability to file or commence a lawsuit in Superior, State or Magistrate Court. This blog post will deal specifically with the nature and nuances of the Magistrate Court or what has been popularly referred to as small claims court and personal injury lawsuits. Magistrate Court is a court of limited jurisdiction in Georgia, meaning that the small claims court can only entertain or hear certain court cases. In Georgia, the amount in controversy in the Magistrate Court is capped at $15,000 or lower. There have been movements in the past to increase this jurisdictional cap as a way to aid backlogged court cases, but–to date–nothing has been passed. For a brief overview of Magistrate Court in Georgia, please visit this link.

Filing Your Petition (Complaint)

Most of the clerks in the larger counties in Georgia have preprinted petitions that the petitioner can fill out and file with the Clerk of Magistrate Court along with their filing fee. Typically, the petitioner would allege that defendant breached a duty by violating a rule of the road of Georgia (statute) and consequently caused damages in the amount of $X bills and pain and suffering. Sometimes, if the property damage of your vehicle has not been resolved previously, you would add in the property damage claim at this juncture. However, be careful, because the jurisdictional limit of the court is only $15,000. If you think your injuries or your injuries and property damage are worth more than the $15,000 limits, then small claims court is not for you and you should speak to an experienced personal injury attorney for advice and consultation.
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On August 25, 2011, Priscilla Johnson, 48, of Clayton County, Georgia veered off Highway 138 and collided into three teenagers killing all three. The third victim was taken off life support at Grady Hospital on August 27. Ms. Johnson was charged in the Magistrate Court of Clayton County with more than 12 separate offenses, including reckless driving, DUI, hit and run and failure to exercise due care while using a cell phone.

Allegedly, Johnson was on the cell phone arguing with her husband when she drove through a red light, left the roadway and crashed into the teenagers. Tests indicated that Johnson also had a high level of antidepressants in her system. The teenagers were walking on the side of the highway at the time of the impact. One teenager died at the scene and two others died later at the hospital.
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It depends. Let me explain. Georgia passed legislation in 1991 that repealed Georgia’s automobile no-fault insurance. Since the repeal of no-fault insurance, medical payments coverage, which is commonly known as med pay coverage, has increased in popularity among Georgia motorists. Basically, med pay is an optional coverage on your auto insurance that pays the insured’s medical and funeral expenses caused by a car accident. It is an excellent investment and is quite inexpensive. I highly recommend that every motorist obtain this optional coverage with their automobile insurer.

What is the applicable Georgia statute?

O.C.G.A. 33-4-6 covers the payment of med pay benefits. Basically, the statute mandates that insurers make payment within sixty (60) days after a demand has been made for payment. If the insurer fails to make payment within this time period and the refusal is in bad faith, then the insurer may be liable or responsible for up to 50 percent of the amount owed or $5,000, whichever is greater, plus legal fees. If you believe that your insurer has refused or rejected to pay your medical bills in bad faith, then you should contact an experienced personal injury lawyer immediately.
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If you are reading this post, then you have probably fallen victim (like so many others before you – and certainly after you) to an offer of settlement from an auto insurance adjuster that does not fully and completely compensate you for your injuries and the human losses (aka pain and suffering) associated with those injuries. Rest assured, you are not alone. Many others have traveled this exact same path and emerged victorious. However, the path is not always easy and–like most things that are worth the wait–this path does take time.

You see, auto insurance companies like to play the odds. The insurers know that a good percentage of folks will take whatever sum of money the insurance companies offer them to settle their personal injury claim. The trick for the insurer is to increase this percentage every year. The “treat” is that this sum is typically below what I like to call fair settlement value (“FSV”) of the bodily injury claim. FSV is the value (typically a range) that an injured person would likely receive from the insurer after calling the insurer’s bluff, filing a suit and settling that suit after a period of discovery (to be explained later in this post)–either by voluntary mediation (mutual get together of insurance representative, your attorney, mediator and you) or other informal communication. Insurance companies save money by dangling low ball settlement offers to the hungry.

Ok. So you didn’t bite at the proverbial apple on the short tree and you are about to file suit. Now what?

Step One – Finding the Defendant and Getting Defendant Served With Summons and Complaint
In Georgia, the individual defendant must be sued in his/her county of residence. If a corporation, then such corporation is generally served in the county where its registered agent (agent appointed by corporation to accept service of complaint and summons) is located. Depending on the specific Georgia County, either the sheriff or the marshal (and sometimes a specially appointed process server) will serve a copy of the summons (notice of suit) and the complaint (the actual law suit) personally upon the defendant. The fee for this service is generally included in the filing fee that you pay to the clerk of court in the county where you file the suit.

Step Two – Answer of the Defendant
Under Georgia law, generally the defendant has 30 days from the date of service of the summons and complaint to file an answer to your complaint. This answer must be filed in the court where you filed the complaint, and a copy should be forwarded to you by the defendant. In most cases, the defendant typically denies that he/she is indebted, obligated or responsible to you for any harm in the answer.

Step Three – Discovery Period of Six Months
Under court rule and Georgia law, the plaintiff and the defendant have six months from the date the answer of the defendant was filed to conduct discovery. What is discovery you ask? Discovery is the formal process where the parties can discover information about each other that is relevant to the case. For example, a defendant in a personal injury lawsuit would like to find out the plaintiff’s work history, injury history, injury treatment history, version of the incident that caused harm and personal background.

Most plaintiffs fear discovery. But in reality, it is very simple and if conducted appropriately, fairly painless. It usually consists of one party sending multiple written questions (interrogatories) to your attorney that encompasses one of the categories listed above. After the interrogatories are completed, one party will typically schedule the deposition (oral questions) directed to the other party which is recorded by a court reporter at a mutually convenient time in your lawyer’s office. Depositions can last less than an hour to several hours. Further, the parties usually file requests for documents to employer and treating physicians among others.
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If you drive a car to and from work, from home to store or just around the city, chances are that sooner or later through no fault of your own, you will probably be involved in a motor vehicle collision. Oftentimes, the car accident is the result of a rear end collision. However, other car collisions are due to failure of one driver to yield to the other, failure to obey a traffic control device, improper backing, improper u-turn, improper lane change, failure to maintain lane, passing in a no passing zone and driving too fast for conditions, among others.

These collisions can occur on Georgia’s public roads or occasionally on private property. If the crash occurs on private property, the police officer generally does not have the jurisdiction or authority to issue a citation to the at-fault driver. And, the police officer does not use the Georgia Uniform Motor Vehicle Accident report form for accidents that occur on private property.

The steps listed below are in sequential order and in rank of importance. The steps are designed to ensure safety, record keeping, documentation and that you cover your bases while at the scene of a car accident in Georgia. It is best to review these steps, print them out and keep a copy in your car.
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Several weeks ago, a Georgia mother of two was convicted of vehicular homicide in the second degree in Cobb County, Georgia. She was not driving or operating a vehicle. This conviction left a good many folks scratching their heads. How could a Georgia citizen be convicted of the death of another person by vehicle when such citizen was not even operating a vehicle or car at the time of death? Let me explain.

On the evening of April 12, 2011, Raquel Nelson, a 29 year old mother of three, was crossing Austell Road near Marietta, Georgia with her children to get to the Somerset Apartments. They made it to the median in the middle of the road and then proceeded westward over the remaining lanes of traffic.

On or around the same time, Jerry L. Guy, a 47 year old man from Marietta, was operating his van and collided into Raquel, her daughter and her son A.J. As a result of the pedestrian collision, A.J. Nelson died. Mr. Guy fled the scene of the collision. He was later apprehended and charged with vehicular homicide in the first degree, among other charges. Guy’s attorney admitted that Guy had drunk alcohol and presumably ingested pain medication earlier on the day of the collision. Guy was also partially blind in one eye. He entered into a plea bargain, and was sentenced to six months in jail and received a five year probation. Meanwhile, the mother, who was not driving a vehicle, was charged with vehicular homicide in the second degree for the death of her son. You can’t make this stuff up.

On July 12, 2011, three months from the date of the incident, Raquel Nelson was convicted in Cobb County of vehicular homicide in the second degree, crossing roadway elsewhere than at a crosswalk and reckless conduct. Her possible sentence included 36 months of prison time. Without going into too much detail, Judge Katherine Tanksley of the Cobb County State Court, offered Ms. Nelson a new trial.
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How do auto insurance companies make money year after year? Simple. They take more money in than they pay out. And, the money that they do take in is invested in stocks, bonds or other investment products to achieve a healthy return. More or less, insurance companies accumulate cash from the insurance premiums that it receives from their insureds (drivers insured by insurance companies). The insurance companies then try to pay out as little of that cash to innocent persons or entities that have been harmed by their insureds as is legally possible.

The question then becomes what factors help the injured victim recover as much as possible from the insurance company? Is there anything that makes an insurance company tremble in its golden boots? Let’s take a quick look at five (5) factors that–if present–are helpful to the injured party in his/her recovery against the insurance company.

1. Liability of the Insured
In most car collisions that occur on public property, a police officer is dispatched to the scene of the collision. At the collision, the officer typically takes the statements of the opposing drivers; reviews the physical evidence; inspects the scene of the collision; speaks to any independent witnesses; draws his/her conclusion as to which driver was at fault; and issues a ticket (citation) to the at-fault driver. Obviously, the insurer would not like to see their insured driver cited for causing any collision because any such citation is an indication of responsibility for which the insurer is financially responsible. What can be better than having the officer (typically the only independent witness and an expert at that) testify in his/her uniform about his findings.

2. High Property Damage to the Vehicle of the Injured Party
At the scene of the collision, the police officer inspects the damage to both vehicles and subjectively assesses a numerical value to represent the damage. In Georgia, officers typically employ a numbering system of 1-5 to categorize the property damage as listed on the Georgia Uniform Motor Vehicle Accident Report. The numeral “5” represents fire present to vehicle and is the highest category of damage. The numeral “4” represents “extensive” damage and is the second highest category of damage. The numeral “3” represents “moderate” damage. The numeral “2” represents “slight” damage and the numeral “1” represents no damage. Obviously, the insurance company prefers to see collisions that have caused slight or no damage to the vehicle to bolster its argument that the impact of the collision was minor and therefore repair costs should be low and any bodily injury resulting therefrom is suspect.
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