Contrary to popular assumption, your first step usually involves filing a claim with an insurance company. Motorists, business and property owners, and other entities carry liability insurance to protect against accidental losses. In some situations, you might be able to resolve your claim by settling with the insurer. However, it is important to note that these companies look out for their own financial interests, not yours. An insurance company may deny your claim, citing such reasons as:
- Your injuries were not that severe;
- The insured’s policyholder was not at fault; or
- You were wholly or partly responsible for causing the accident.
Under the circumstances, you may need to take the next step by filing a lawsuit in court. Under Georgia’s statute of limitations, it is critical to note the two-year deadline. If you do not sue before the time limit expires, you cannot recover monetary damages for your losses.