Lookout Law: Your Legal Queries Answered
Overview
The following Q&A is divided into multiple sections for ease of navigation.
Each section provides a summary of questions that our clients commonly ask, along with brief yet informative answers. Our aim is to empower you with knowledge, so you can make informed decisions when faced with legal challenges.
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1General Legal QuestionsGet a grasp on legal basics, like what personal injury law entails or how to find a lawyer.
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2Personal InjuryUnderstand what qualifies as a personal injury and what steps you need to take if you’re a victim.
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3Car AccidentsLearn the ins and outs of car accident claims, insurance matters, and when to seek legal advice.
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4Truck AccidentsThese accidents often involve more severe injuries and complications; know how to navigate them.
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5InsuranceFrom third-party claims to dealing with uninsured motorists, get insights into the intricacies of insurance.
General Legal Questions
In Georgia, personal injury cases can involve various types of damages that an injured party may be entitled to recover. These damages are meant to compensate the injured person for their losses resulting from the injury. The types of damages in Georgia personal injury cases include:
- Medical Expenses: This includes the costs of medical treatment, hospital stays, surgeries, prescription medications, rehabilitation, therapy, and any other medical services required due to the injury.
- Lost Wages: If the injury causes you to miss work, you may be entitled to compensation for the income you lost during your recovery period
- Loss of Earning Capacity: If the injury causes a long-term or permanent impairment that affects your ability to earn income in the future, you may be compensated for this loss.
- Pain and Suffering: This refers to the physical pain and emotional distress you experience as a result of the injury. It can be difficult to quantify but is an important component of personal injury compensation.
- Mental Anguish: Severe emotional distress, anxiety, and other psychological impacts resulting from the injury may be considered for compensation.
- Loss of Consortium: If the injury affects your relationship with your spouse, they may be able to recover damages for the loss of companionship, support, and intimacy.
- Loss of Enjoyment of Life: Compensation for the inability to engage in activities you enjoyed before the injury, such as hobbies, sports, or social activities.
- Property Damage: If your personal property (such as your vehicle) was damaged in the accident, you may be entitled to compensation for repair or replacement costs.
- Punitive Damages: In cases where the defendant's actions were extremely reckless or intentional, punitive damages might be awarded as a way to punish the wrongdoer and deter similar behavior in the future. Georgia law has specific requirements for awarding punitive damages.
- Wrongful Death Damages: In cases where a person's death was caused by someone else's negligence, the surviving family members may be entitled to compensation for funeral and burial expenses, medical expenses prior to death, loss of financial support, and more.
At Lookout Law we charge the customary ⅓ (33.33%) of recovery contingency fee of all cases that settle before a lawsuit is necessary and 40% on cases where court is necessary. You should be suspicious of firms charging more (as it may be unethical) and of firms charging less (as they may be leveraging large volumes of impersonal cases to make up the difference). You want your attorney engaged in the fight!
A contingency fee is a legal fee arrangement often utilized in personal injury cases, which allows individuals to access legal representation without having to pay upfront costs. In this arrangement, the attorney's fees are contingent, or dependent, on the outcome of the case. In other words, the attorney only gets paid if they successfully secure a settlement or court award for the client. This fee structure is particularly beneficial for individuals who might not have the financial means to afford legal representation otherwise.
In a contingency fee agreement, the attorney agrees to take on the client's case without charging any upfront fees or hourly rates. Instead, if the case is successful and results in a settlement or court judgment in the client's favor, the attorney receives a percentage of the total amount awarded. This percentage typically ranges from around 30% to 40%, though the exact percentage can vary based on the attorney's experience, the complexity of the case, and jurisdictional regulations.
If the case is not successful, meaning that the client does not receive any compensation, the attorney does not collect a fee. This arrangement aligns the attorney's interests with the client's; the attorney has a vested interest in achieving the best possible outcome since their payment is tied to the success of the case.
Contingency fees enable individuals who have suffered injuries due to the negligence of others to pursue legal action without worrying about the immediate financial burden of attorney fees. This level of accessibility to legal representation ensures that justice is attainable for a broader range of people, regardless of their financial circumstances. Moreover, it allows individuals to hold responsible parties accountable for their actions and seek compensation for medical bills, lost wages, pain and suffering, and other damages incurred as a result of the injury.
It's important for clients to thoroughly discuss the contingency fee arrangement with their chosen attorney before proceeding. Clients should understand the percentage of the award that will go towards attorney fees and inquire about any additional costs or expenses that might arise during the course of the case. This transparency helps clients make informed decisions about their legal representation.
In summary, a contingency fee arrangement in personal injury cases provides a practical and accessible way for individuals to seek justice and compensation for their injuries. By eliminating upfront costs and tying attorney fees to the successful outcome of the case, this fee structure ensures that legal representation is available to those who might otherwise be unable to afford it. It empowers individuals to navigate the complex legal system, stand up against negligence, and recover damages that can aid in their recovery and financial stability.
Collecting evidence for an injury case is crucial to support your claims and strengthen your position. Here's a step-by-step guide on how to collect evidence effectively:
- Document the Scene: If the injury occurred at a specific location (e.g., a car accident, slip and fall), take photos or videos of the scene. Capture the area's condition, any hazards, signage, lighting, weather conditions, and other relevant details.
- Gather Contact Information: Obtain contact information from any witnesses present at the scene. Their statements can provide valuable testimony to support your version of events.
- Photographs of Injuries: Document your injuries through clear photographs taken from multiple angles. This helps show the extent and severity of your injuries over time.
- Preserve Evidence: If there is physical evidence related to the incident (damaged clothing, equipment, etc.), keep it in a safe place. Do not alter or repair anything until your case is resolved.
- Diary or Journal: Maintain a detailed diary or journal where you record your daily experiences, pain levels, and how the injury affects your life. This can provide a more personal perspective on the impact of the injury.
- Communications: Keep records of any communication related to your case, including emails, text messages, and letters. This includes communication with insurance companies, medical professionals, witnesses, and legal representatives.
- Surveillance Footage: If the incident occurred in an area with surveillance cameras (such as a store, parking lot, or street), try to obtain footage that may have captured the incident or let your attorney know about the cameras ASAP.
- Financial Loss Documentation: Keep track of any financial losses you've incurred due to the injury, such as medical bills, rehabilitation costs, lost wages, and property damage.
- Social Media: Be cautious about what you post on social media. Content you share online can be used by opposing parties to challenge your claims. Avoid sharing anything that could be misinterpreted or used against you.
Remember, the key is to collect thorough and accurate evidence that demonstrates the cause and impact of your injuries. This evidence will be vital in negotiations, settlement discussions, or any legal proceedings that might arise from your injury case.
A tort is a fundamental legal principle that addresses wrongful conduct in civil law systems. It encompasses actions or omissions that result in harm, injury, or damage to another person or their property. Tort law aims to provide remedies for individuals who have suffered due to the actions, negligence, or misconduct of others. It serves as a crucial component of the legal framework by maintaining social equilibrium and holding individuals and entities responsible for their behaviors.
Torts are generally categorized into two main types: intentional torts and negligence
- Intentional Torts: These arise when an individual or entity deliberately engages in actions that cause harm to another party. Intent to cause harm or the awareness that harm could occur is a key element. Examples of intentional torts include assault, where there is an intentional threat of harmful contact; battery, involving intentional physical harm; defamation, which encompasses false statements damaging a person's reputation; and false imprisonment, where an individual is unlawfully confined against their will.
- Negligence: Negligence focuses on the failure to exercise reasonable care under specific circumstances, resulting in harm to others. It involves four elements: duty of care, breach of duty, causation, and damages. Negligence claims are common in cases such as car accidents caused by reckless driving, medical malpractice due to a healthcare provider's failure to meet a standard of care, and slip and fall incidents due to a property owner's negligence in maintaining safe premises.
Tort law serves multiple purposes in society. It provides individuals with a means to seek compensation for their losses, covering medical expenses, emotional distress, property damage, and lost wages. This compensation, often awarded through monetary damages, aims to restore the injured party to their pre-incident state as much as possible. Moreover, tort law functions as a deterrent, discouraging individuals from engaging in harmful behavior by imposing legal consequences for their actions.
Tort law's impact extends beyond individual cases, as it can prompt systemic changes. Cases involving unsafe products or practices can lead to improved safety standards and regulations, enhancing public well-being. By holding wrongdoers accountable, tort law contributes to maintaining social order and promoting responsible behavior within the community.
In summary, a tort is a foundational legal concept that addresses civil wrongs resulting in harm to individuals or their property. It encompasses intentional actions, negligence, and strict liability. Through its various applications, tort law seeks to provide remedies, encourage responsible behavior, and foster a safer and more equitable society.
An affidavit is a written statement or declaration made under oath, typically used as evidence in legal proceedings. It is a formal document where the person making the statement (known as the affiant or deponent) swears or affirms that the contents of the statement are true to the best of their knowledge and belief. Affidavits are commonly used in various legal contexts, such as court cases, administrative proceedings, and other situations where sworn testimony or factual information is required.
The person creating the affidavit must sign it in the presence of a notary public or another authorized official who can administer oaths. This official's role is to verify the identity of the person signing the affidavit and ensure that the signature was made voluntarily and under oath. Once properly signed and notarized, the affidavit becomes a legally binding document that can in certain circumstances be submitted as evidence in a court of law or other legal processes.
However, for the purposes of trial, an affidavit is still generally considered hearsay and inadmissible into evidence.
Theoretically and affiant takes an oath from the notary public before signing. The notary public is a person appointed by law to administer oaths. While this is a very official document, it is extremely rare for affiants to be held accountable by the law for lying in affidavits.
You should never sign an affidavit without consulting an attorney.
Claiming emotional stress as a result of a tort (a civil wrong that causes harm or injury) can have both benefits and drawbacks. Here are some general benefits and drawbacks to consider:
Benefits:
- Compensation for Psychological Harm: If you have experienced emotional distress as a direct result of a tort, you may be entitled to compensation for the psychological harm you've suffered. This can help cover the costs of therapy, counseling, and other treatments needed to address the emotional distress.
- Validation and Accountability: Pursuing a claim for emotional distress can hold the responsible party accountable for their actions. It can provide a sense of validation that your suffering is recognized and acknowledged by the legal system.
- Deterrence: Legal actions for emotional distress can serve as a deterrent to prevent similar harmful behavior in the future. When individuals or entities know they can be held liable for causing emotional distress, they may be more cautious in their actions.
Drawbacks:
- Discoverability of your psychiatric and therapy records: Unlike pain and suffering, claiming emotional distress puts your existing mental state at issue. Accordingly the defense will be entitled to get and see your psychiatric/psychological records from most if not all of your past.
- Proof and Subjectivity: Proving emotional distress can be challenging. Unlike physical injuries, emotional distress is subjective and often difficult to quantify. You'll need to provide evidence that demonstrates the severity and causation of the distress, which can be complex.
- Public Scrutiny: Pursuing a claim for emotional distress might involve disclosing private and sensitive details of your life in a public setting, as legal proceedings are generally open to the public. This could be emotionally taxing and invasive.
- Time and Costs: Legal processes can be time-consuming and expensive. You may need to invest significant time and resources in pursuing your claim, including attorney fees, court costs, and related expenses.
- Counterclaims and Reputation Damage: The other party might counterclaim, alleging that your actions contributed to the emotional distress or that your claim is exaggerated. This can lead to additional stress and potentially damage your reputation.
- Emotional Toll: The process of pursuing a legal claim, especially one related to emotional distress, can itself cause additional stress and anxiety. Legal proceedings can be lengthy and emotionally draining.
- Possible Stigmatization: In some cases, individuals claiming emotional distress may face skepticism or stigmatization, as emotional injuries can be harder for others to understand and empathize with compared to physical injuries.
Before pursuing a claim for emotional distress resulting from a tort, it's crucial to weigh the potential benefits against the drawbacks and consider your personal circumstances. Consulting with a legal professional who specializes in tort law can help you make an informed decision based on the specifics of your situation.
A settlement agreement, also referred to as a settlement contract or compromise agreement, holds substantial legal significance as a documented resolution strategy for disputes. Parties engaged in legal conflicts opt to use this legally binding contract to delineate the precise terms under which they choose to settle their differences and forego further legal actions. This framework is extensively applied across a spectrum of scenarios, including civil litigation, employment discord, familial disputes, and commercial clashes. Its overarching objective is to streamline the process of conflict resolution, circumventing the intricacies, financial burdens, and protracted nature of courtroom trials, while fostering a prudent allocation of resources.
At its core, a settlement agreement comprises a constellation of essential components that collectively sculpt its architecture and impact:
Parties Involved: The agreement initiates by identifying the stakeholders partaking in the settlement. These stakeholders may encompass individuals, corporate entities, institutions, or governmental bodies.
Background and Recitals: This segment furnishes context to the agreement, expounding on the backdrop of the underlying dispute or conflict. It constructs a narrative around the circumstances and occurrences that precipitated the discord, serving to illuminate the issues under consideration.
Terms and Conditions: The crux of the settlement agreement resides within its terms and conditions. This section elucidates the precise arrangements to which the parties have mutually acceded. These stipulations encompass a panorama of provisions contingent upon the intricacies of the dispute. Pervasive provisions include:
- Monetary Compensation: When one party is indebted to the other, the agreement may proffer particulars concerning the quantum and timetable of payments.
- Release of Claims: A pivotal tenet of the agreement lies in the release clause, wherein both parties pledge to relinquish any current or prospective claims linked to the conflict. This precludes either party from instituting legal proceedings on the same matter in the future.
- Confidentiality: In specific instances, the parties may covenant to safeguard the confidentiality of settlement terms and minutiae. This aspect gains pertinence in commercial disputes encompassing proprietary data or sensitive information.
- Non-Disparagement: The agreement could encompass a provision that interdicts both parties from disseminating derogatory or detrimental statements about each other following resolution.
- Non-Admission of Liability: In select scenarios, one party may consent to a settlement without admitting any culpability or legal accountability. This might be pivotal for shielding reputation or forestalling subsequent legal assertions.
- Compliance and Enforcement: The agreement could delineate the consequences in case either party deviates from adhering to the mutually agreed-upon terms. Remedies might span monetary penalties or specific performance.
- Governing Law and Jurisdiction: The agreement might specify the governing legal framework for interpretation and the jurisdiction designated for resolving disputes related to the agreement.
Consideration: Fundamental to the legality of a settlement agreement, the principle of consideration mandates that both parties receive something of value in exchange for assenting to the resolution. This valuable exchange could manifest in diverse forms, such as monetary funds, assets, commitments, or other benefits.
Execution and Signatures: The agreement customarily entails the signatures of the involved parties, emblematic of their concurrence and endorsement of the delineated terms. In specific instances, the presence of witnesses or notaries might be mandated to authenticate the agreement's authenticity.
Beyond its legal import, a settlement agreement furnishes a cornucopia of advantages:
- Efficiency: Opting for settlement through an agreement generally expedites the process and is more cost-effective than protracted court trials.
- Control: Parties retain a heightened degree of control over the resolution as compared to entrusting the decision to a judicial authority.
- Confidentiality: Confidentiality clauses safeguard sensitive information from public exposure during a trial.
- Risk Mitigation: Both parties mitigate the risks tied to an uncertain court verdict, as settlements commonly entail compromise, affording a more predictable outcome.
- Preservation of Relationships: Settlements aid in nurturing relationships between parties that may necessitate ongoing interactions subsequent to the resolution.
In summation, a settlement agreement assumes the form of an all-encompassing legal instrument that operates as a negotiated settlement for a conflict. This instrument encapsulates terms and conditions that the parties have harmoniously accepted. Its paramount objective resides in bringing resolution to legal disputes while offering benefits such as efficiency, control, and risk abatement.
Mediation is a method used to resolve disputes and conflicts between parties in a structured and facilitated manner. It involves a neutral third party known as a mediator, who assists the parties in reaching a mutually agreeable solution. The process is voluntary and confidential, aiming to encourage open communication and cooperation between the involved parties.
The mediation process typically unfolds as follows:
The process begins with both parties agreeing to participate voluntarily in mediation. A mediator, chosen by mutual consent or appointed, guides the process.
The mediator conducts separate initial meetings with each party to understand their perspectives and concerns.
A joint session is then arranged, where both parties come together under the mediator's guidance. This enables each party to present their viewpoint without interruption and helps in clarifying misunderstandings.
The mediator helps identify the main issues that need resolution, focusing on underlying interests rather than rigid positions.
Parties engage in brainstorming sessions facilitated by the mediator to generate various possible solutions to the identified issues.
The mediator facilitates discussions where parties negotiate and discuss proposed solutions. This is a platform for parties to interact constructively and seek clarification.
Parties may evaluate proposed solutions with the mediator's assistance, considering potential consequences and aligning with their interests.
As the discussion progresses, parties may modify, combine, or refine proposed solutions in order to achieve a mutually acceptable agreement.
Once an agreement is reached, the mediator helps draft a written agreement outlining the terms of the resolution.
Both parties review and sign the agreement if they are satisfied. The mediator ensures comprehension and voluntary acceptance.
Benefits of mediation include voluntary participation, confidentiality, increased control over outcomes, preservation of relationships, and greater efficiency compared to formal legal processes.
However, mediation may not be suitable for all situations, particularly when power imbalances exist or when parties are unwilling to engage genuinely.
In successful cases, mediation offers a collaborative and enduring resolution to conflicts.
At Lookout Law over 90% of our cases that go to mediation either settle at mediation or within a
few days of mediation with the continued assistance of a mediator.
When it comes to negotiating your injury claim, the role of an experienced attorney cannot be overstated. Negotiation is a delicate art that requires not only a deep understanding of legal intricacies but also a mastery of communication, strategy, and a keen awareness of your rights as an injured party. Here's why having an attorney by your side can make a critical difference:
- Expertise in Legal Landscape: Personal injury law is a labyrinthine realm, and its intricacies can vary significantly depending on your jurisdiction. Attorneys specialize in this area, possessing a comprehensive knowledge of relevant laws and regulations. This expertise enables them to strategically navigate negotiations, ensuring you don't miss out on potential compensation due to legal oversights.
- Shrewd Negotiation Strategy: Negotiation with insurance companies and opposing parties is not just about having a conversation. It's a strategic game that demands skillful tactics. Attorneys have honed their negotiation skills through years of experience, allowing them to assess the situation, devise a targeted strategy, and apply persuasive techniques to maximize your settlement offer.
- Leveling the Playing Field: Insurance adjusters and opposing parties often have teams of professionals on their side, all working to minimize the compensation they pay out. Without an attorney, you're at a distinct disadvantage. Attorneys, however, level the playing field by countering their tactics, ensuring your interests are equally represented in negotiations.
- Objective Assessment of Value: Determining the value of your injury claim is a nuanced process that requires evaluating a multitude of factors, from medical bills and lost wages to emotional distress and future medical needs. Attorneys provide an objective assessment, preventing you from undervaluing your claim and ensuring you pursue compensation that truly reflects the impact of your injuries.
- Tenacious Advocacy: Negotiations can often turn adversarial, with insurance adjusters attempting to settle for as little as possible. Attorneys are your dedicated advocates, steadfastly pushing for your rights and relentlessly seeking a fair settlement that genuinely addresses your losses.
- Professional Demeanor: Emotions can run high when dealing with the aftermath of an injury. Attorneys provide a level-headed, professional demeanor that helps maintain the integrity of negotiations. Their focus on the legal and factual aspects of the case prevents personal emotions from derailing the process.
- Multifaceted Approach: Negotiating an injury claim involves intricate details, correspondence, and documentation. Attorneys handle these aspects comprehensively, ensuring all necessary information is presented accurately and effectively to bolster your position.
In essence, the negotiation phase of an injury claim requires more than just a willingness to communicate—it demands expertise, strategy, and an understanding of the legal landscape. Lookout Law Attorneys bring all these qualities to the table, acting as your strategic partner to ensure you receive a fair settlement that truly accounts for the physical, emotional, and financial toll of your injuries. With an attorney in your corner, you're equipped with the best possible chance to navigate negotiations successfully and secure the compensation you rightfully deserve.
Punitive damages, often referred to as exemplary damages, are a unique category of damages awarded in civil cases to punish a defendant for particularly egregious conduct and to deter similar behavior in the future. In the state of Georgia, as in many jurisdictions, punitive damages serve as a mechanism to balance compensatory justice with the need for societal deterrence and retribution. This essay provides a comprehensive exploration of punitive damages in the context of Georgia law, including their legal basis, standards for awarding, limitations, and the evolving jurisprudence surrounding them.
Legal Basis and Standard for Awarding: Punitive damages in Georgia are rooted in statutory and common law principles. O.C.G.A. § 51-12-5.1 is the key statute that governs the award of punitive damages in tort cases. It states that punitive damages may be awarded "only in such tort actions in which it is proven by clear and convincing evidence that the defendant's actions showed willful misconduct, malice, fraud, wantonness, oppression, or that entire want of care which would raise the presumption of conscious indifference to consequences." This high evidentiary threshold of "clear and convincing evidence" reflects Georgia's commitment to limiting punitive damages to cases of severe misconduct.
The Georgia Supreme Court, in BMW of North America, Inc. v. Gore (1996), introduced a three-part test to guide courts in determining whether punitive damages are excessive, in line with constitutional due process. These factors are: (1) the reprehensibility of the defendant's conduct, (2) the ratio of punitive damages to actual harm caused, and (3) a comparison of punitive damages awards in similar cases. This framework ensures that punitive damages do not amount to an unconstitutional "excessive fine" and maintains a sense of proportionality.
Reprehensibility of Conduct: Central to the assessment of punitive damages in Georgia is the degree of reprehensibility of the defendant's conduct. Courts consider factors such as whether the conduct was intentional, malicious, or grossly negligent, whether it caused physical or emotional harm, and whether it demonstrated a pattern of repeated misconduct. The more reprehensible the conduct, the more likely punitive damages will be deemed appropriate.
Ratio of Punitive Damages to Actual Harm: The Supreme Court's guidance on the ratio of punitive damages to actual harm aims to prevent disproportionate awards. Georgia courts generally adhere to a single-digit ratio, where punitive damages are not significantly higher than the compensatory damages awarded to the plaintiff. This principle ensures that punitive damages serve their deterrent purpose without unduly burdening defendants.
Comparative Analysis: To maintain consistency and fairness, Georgia courts consider awards in similar cases to determine the appropriate punitive damages amount. This prevents arbitrary and inconsistent awards while allowing for a degree of predictability.
Limitations and Challenges: Georgia law places certain limitations on punitive damages. For instance, punitive damages cannot be recovered against a defendant solely on the basis of vicarious liability. Moreover, there are statutory caps on punitive damages, with a maximum limit of $250,000 unless the defendant was acting with specific intent to cause harm or was under the influence of drugs or alcohol.
Evolving Jurisprudence: Georgia's approach to punitive damages has evolved over time, balancing the need for punishment and deterrence with concerns about excessive awards. Courts have refined the standards for awarding punitive damages, clarifying that mere negligence is insufficient to warrant their imposition. Recent cases have also explored the constitutional implications of punitive damages, emphasizing the importance of adherence to due process principles.
Conclusion: Punitive damages in Georgia serve a critical role in promoting accountability, deterring egregious misconduct, and providing just compensation to victims. The legal framework, established through statutory law and judicial decisions, ensures that punitive damages are awarded only in cases of extreme misconduct proven by clear and convincing evidence. By considering factors such as reprehensibility, ratio to actual harm, and comparative analysis, Georgia strikes a balance between punishing wrongdoers and preventing excessive awards, ultimately contributing to a more just and equitable civil justice system.
In personal injury lawsuits, one of the key components is the calculation and awarding of damages to the injured party. Damages are meant to compensate the victim for the losses they have suffered due to the negligence or wrongdoing of another party. In Georgia, like in many other jurisdictions, damages are categorized into various types, including special damages. Special damages play a crucial role in ensuring that victims are appropriately compensated for the specific financial losses they have incurred as a direct result of the injury.
Understanding Special Damages: Special damages, also known as economic damages, refer to the quantifiable and measurable financial losses that a plaintiff has incurred as a direct result of the injury or harm they have suffered. These damages are specific and tangible, making them distinct from general damages, which encompass non-economic losses such as pain, suffering, and emotional distress. Special damages aim to restore the injured party to the financial state they would have been in had the injury not occurred.
Types of Special Damages: In Georgia, special damages can take several forms, each addressing a different aspect of the financial impact on the victim. Some common types of special damages include:
- Medical Expenses: This category covers the cost of medical treatment, including hospitalization, surgeries, medications, rehabilitation, therapy, and any other medical services required due to the injury.
- Lost Wages: Lost wages encompass the income the injured party would have earned had they not been injured. This can include both current and future lost earnings if the injury results in a temporary or permanent inability to work.
- Property Damage: If the injury incident involved damage to the victim's property, such as a vehicle in a car accident, the cost of repairing or replacing the damaged property is considered special damages.
- Loss of Earning Capacity: In cases where the injury causes a long-term or permanent impairment that affects the victim's ability to earn a living, damages may be awarded to compensate for the reduced earning capacity.
- Household Services: If the injury prevents the victim from performing routine household tasks, compensation can be sought for the cost of hiring help to perform these tasks during the recovery period.
- Transportation Costs: This includes expenses related to traveling to medical appointments, therapy sessions, and other necessary locations related to the injury and its treatment.
Calculating Special Damages: Calculating special damages requires careful documentation of the financial losses incurred by the injured party. Medical bills, pay stubs, and other relevant documents serve as evidence for the amount of economic loss suffered. Additionally, expert testimony may be utilized to project future financial losses accurately, especially in cases of permanent disability or reduced earning capacity.
Conclusion: Special damages in injury lawsuits in Georgia serve the critical purpose of compensating victims for their tangible financial losses resulting from an injury caused by another party's negligence. These damages encompass a range of quantifiable losses, from medical expenses to lost wages and more. The legal system aims to ensure that victims are appropriately compensated so they can regain their financial footing and continue their lives despite the challenges posed by the injury. Through the calculation and awarding of special damages, the legal process seeks to provide a fair and just resolution to personal injury cases.
In legal systems, damages are a crucial component of civil litigation aimed at compensating individuals for various types of harm or losses they have suffered. General damages, a subset of damages, encompass non-economic losses that are often challenging to quantify in monetary terms. This essay delves into the concept of general damages in the context of Georgia's legal framework, exploring their nature, purpose, calculation, and significance in civil cases.
Understanding General Damages
General damages, also referred to as non-economic damages, are intended to compensate plaintiffs for losses that are not easily quantifiable through objective measures, such as medical bills or property damage. Instead, these damages aim to address the intangible, subjective, and emotional aspects of the plaintiff's suffering. Common examples of general damages include pain and suffering, emotional distress, loss of consortium, and decreased quality of life.
Purpose of General Damages
The primary purpose of awarding general damages is to restore the plaintiff to the extent possible to the position they were in before the wrongful act or negligence occurred. While economic damages cover concrete financial losses, general damages address the more intangible toll that the incident has taken on the plaintiff's life. By compensating for emotional distress, pain, and other intangible losses, the legal system aims to provide a sense of justice and closure to the injured party.
Calculation of General Damages
Unlike economic damages, which are often determined based on verifiable financial records, calculating general damages involves a degree of subjectivity. In Georgia, as in many other jurisdictions, there is no fixed formula for calculating general damages. Instead, the standard is based on the “enlightened conscience of a jury.”
General damages play a critical role in civil cases by acknowledging the profound impact that certain events can have on individuals beyond their economic repercussions. In personal injury cases, for instance, a plaintiff might not only be dealing with medical bills and lost wages but also enduring emotional distress, physical pain, and the loss of enjoyment of life. By awarding general damages, the legal system acknowledges the holistic nature of human suffering and seeks to provide comprehensive compensation.
Conclusion
In conclusion, general damages hold a vital place in Georgia's legal system, as they provide a means to compensate individuals for non-economic losses that are inherently challenging to quantify. By recognizing the intangible toll that injuries, accidents, and other wrongdoings can take on a person's life, the legal system aims to restore a sense of justice and balance. While the calculation of general damages lacks a precise formula, Georgia's legal framework considers various factors to arrive at fair compensation. As the law continues to evolve, the concept of general damages will likely remain a cornerstone of the civil justice system, striving to provide holistic relief to those who have suffered harm.
Generally “negligence” refers to the failure to exercise the standard of care that a reasonable person would exercise in a similar situation. This failure must result in harm or injury to another person. The purpose of negligence law is to encourage people to act responsibly and to provide a legal mechanism for compensating individuals who are injured due to someone else's negligence.
To establish a negligence claim in Georgia, a plaintiff typically must prove the following elements:
- Duty of Care: The defendant owed a legal duty to exercise reasonable care toward the plaintiff. This means that the defendant had a responsibility to act (or not act) in a particular way to minimize harm
- Breach of Duty: The defendant failed to exercise the required level of care, thus breaching the duty owed to the plaintiff. In other words, the defendant acted (or failed to act) in a way that a reasonable person would not have under similar circumstances.
- Causation: The defendant's breach of duty caused the plaintiff's injury. This generally involves proving both "cause-in-fact" (the defendant's actions were a direct cause of the injury) and "proximate cause" (it was reasonably foreseeable that the defendant's actions would result in the plaintiff's injury).
- Damages: The plaintiff suffered actual harm or loss as a result of the defendant's actions.
You should always call the police after an accident. The police will usually give you a card with a report number. However, you should ask the officer if he is creating a report. If he says no, you should request that one be made. If given a card, keep that card and provide it to your lawyer. Your lawyer can get the report electronically in most jurisdictions in Georgia. Your lawyer will know how to get a copy from any and all jurisdictions even when not available electronically.
It is not advisable to wait days or even hours after an incident to seek police reporting on it.
Call 911 immediately upon an accident.
The simple answer is yes. The client can always choose his/her own lawyer at any stage of a case. Your previous lawyer may be entitled to a lien, but that does not increase the fee you pay. The lawyers figure out the split of the fee between themselves (or with help from the court).
You should NEVER remain with a lawyer who you feel is unethical or not forthcoming with you. Lawyers are very busy, and while Lookout Law prides itself on lawyer availability, many firms may be handling your case just fine despite a lack of communication.
If you have any concerns, you should call us for a consultation or second opinion.
Personal injury settlements are calculated based on a variety of factors that take into account the extent of the injuries, the impact on the injured person's life, and the circumstances of the accident. While I can provide a general overview, it's important to note that each case is unique, and settlement calculations can vary based on the specifics of the situation. Consulting with an experienced personal injury attorney such at Lookout Law is crucial for accurate advice tailored to your case.
For example, a broken leg case against an ordinary driver may be worth as little as $25k if that is all of the insurance that is available. The same case against a large corporation like a trucking company may be worth seven figures.
The value of that same case will be dramatically different depending on the County in Georgia where it must be tried (in Georgia defendants get home court advantage). A case worth $500,000.00 in Dekalb County may be worth $70,000.00 in Catoosa County.
"Future medical expenses" refer to the estimated costs that an injured person is likely to incur for medical treatment after the settlement or verdict. These expenses may be for ongoing treatments, surgeries, medications, physical therapy, or any other medical care that is needed to treat the injuries sustained.
Calculating Future Medical Expenses:
The calculation of future medical expenses is often a complex process involving:
- Medical Expert Testimony: Physicians and other medical experts may be called upon to provide an estimate of the type of treatment that will be needed in the future and the associated costs.
- Life Care Plans: In more severe cases, a life care planner may create a detailed outline of all the projected future medical needs.
- Price Indexing: An adjustment might be made to account for medical inflation over time.
Why It’s Important:
Properly accounting for future medical expenses is crucial to ensuring that the injured party will have the financial resources necessary for recovery. If future medical expenses are not accurately estimated and included in a settlement or award, the injured party may face significant financial hardship.
Legal Consideration:
From a legal standpoint, the plaintiff typically has the burden of proving future medical expenses, and these expenses must be proven to be more likely than not incurred in the future. It's often critical to consult with legal and medical professionals to ensure that all future medical expenses are accurately calculated and presented. This usually requires retaining a doctor as a medical expert to opine on future medical needs and maybe a medical cost expert to opine on the cost of those future medical treatments.
At Lookout Law we always seek a full compensation for all medical expenses past, present and future!
Georgia is NOT a no-fault state. Many states, like Florida, use a system where insurance coverage for medical treatment is unavailable to you irrespective of who is at fault in the accident.
In Georgia the at fault party is responsible for the damage caused in an accident or other incident of negligence.
However, Georgians can, and probably should, purchase medical payments coverage on their own policies to make sure they avoid out of pocket expenses after an accident.
You should always call the police after an accident. The police will usually give you a card with a report number. However, you should ask the officer if he is creating a report. If he says no, you should request that one be made. If given a card, keep that card and provide it to your lawyer. Your lawyer can get the report electronically in most jurisdictions in Georgia. Your lawyer will know how to get a copy from any and all jurisdictions even when not available electronically.
It is not advisable to wait days or even hours after an incident to seek police reporting on it.
Call 911 immediately upon an accident.
Out of pocket expenses generally refers to expenses that insurance of some kind does not pay. An example would be deductibles, travel costs, etc.
Clients should provide their lawyer with every dime of expense they incur as a result of the accident, including gas to and from doctors and lawyers, deductibles, pharmacy costs, etc.
Seeking to claim lost wages in a Georgia lawsuit, the steps may involve several important considerations and pieces of documentation. Here's a general outline of what you might need to do:
Calculate Lost Wages:
- Keep track of all days missed from work, any bonuses, or promotions that were missed, and any other work benefits that you lost as a result of the issue that led to the lawsuit.
- Pay stubs, W-2 forms, or employment contracts can serve as evidence to establish your typical earnings.
Consult An Attorney:
- An experienced attorney can guide you through the complexities of Georgia law and the specifics of your case. They can help you determine what kind of evidence you will need to substantiate your claims for lost wages.
Documentation:
- Gather all evidence related to your lost wages, which can include:
- Medical records (if applicable)
- Time sheets
- Correspondence with your employer
- Pay stubs, tax returns, and W-2 or 1099 forms
File Your Claim:
- This step can vary depending on the specifics of your case, but it usually involves filing a complaint outlining your claims, possibly including lost wages.
- Once the lawsuit is filed, both parties usually engage in "discovery," where they can ask for evidence from the other side.
Present Your Case:
- If your case goes to trial, you may need to present evidence and possibly expert testimony to substantiate your claim for lost wages.
Settlement Negotiations:
- Many cases never go to trial and are settled outside of court. During settlement negotiations, your lost wages will be one of the factors considered in determining the amount to be paid.
Court Judgment:
- If you win the case, the court will issue a judgment that may include compensation for your lost wages.
Many people believe that to claim lost wages all they have to do is say they were unable to work. That is almost never enough (barring clear catastrophic injury). For jury trial, you need a doctor, preferably one who treated you, to corroborate your lost time from work as being necessary.
At Lookout Law we have also helped many injured small business owners calculate lost earnings despite not having a regular w2 type job. It takes a little extr work, but we are happy to do it!
The role of a witness in a lawsuit is to provide testimony, usually under oath, to establish facts or evidence relevant to the case. Witnesses can be called upon by either the prosecution or the defense in a criminal case, or by either the plaintiff or defendant in a civil case. The testimony provided by witnesses can be essential for establishing the elements needed to prove or disprove a claim.
Here are some key roles and responsibilities of a witness:
Before the Trial
- Discovery and Depositions: Before a trial, witnesses often participate in the discovery process, where they may be interviewed in a formal setting during a deposition. This process helps the attorneys understand what the witness knows and might say during trial.
- Preparation: Witnesses may meet with attorneys to go over their testimony and understand the procedure and rules they have to follow during the trial.
During the Trial
- Swearing-In: Witnesses swear an oath to tell the truth before giving their testimony.
- Direct Examination: The attorney who called the witness will ask questions first. This is called "direct examination." The questions are generally designed to elicit factual answers and are not supposed to be leading.
- Cross-Examination: After the direct examination, the opposing attorney may ask the witness questions. This is known as "cross-examination." The purpose is usually to challenge the witness’s credibility, knowledge, or interpretation of events.
- Re-Direct and Re-Cross Examination: In some cases, each attorney may have additional opportunities to ask follow-up questions to clarify or challenge the witness’s testimony.
- Exhibits and Evidence: Witnesses may also be asked to identify or comment on physical evidence, documents, or other items that are presented during the trial.
Rules and Regulations
- Rules of Evidence: Witnesses must adhere to the rules of evidence, which can be complex and vary by jurisdiction. These rules determine what can and cannot be said or introduced during the testimony.
- Expert Witnesses: In some cases, a specialized type of witness, known as an "expert witness," may be called to offer specialized knowledge or opinions relevant to the case. The qualifications of these witnesses often must be established before they are allowed to give expert testimony.
After the Trial
Witnesses might be recalled for further testimony if there is an appeal or if other post-trial motions require their input.
The role of the witness is crucial in the legal system. Witnesses help the judge and/or jury make informed decisions by providing a firsthand account or expert analysis of events related to the case. However, the importance of honesty cannot be overstated, as perjury (lying under oath) is a serious offense that can result in criminal charges against the witness.
In negligence cases (like personal injury or medical malpractice), Georgia follows a "modified comparative negligence" rule. This means that a plaintiff can recover damages as long as they are less than 50% at fault for the incident. The amount of damages awarded is reduced by the plaintiff's percentage of fault. If the plaintiff is 50% or more at fault, they cannot recover any damages.
At Lookout Law we often see Defendants admit to negligence and just reserved the ability to challenge whether the accident caused an injury and to challenge the amount of appropriate damages.
A demand letter is a formal written document that outlines a request or demand for action or payment from the party to whom it is addressed. Often sent before initiating legal proceedings, the letter serves as a last attempt to resolve an issue without going to court. The letter typically outlines the nature of the dispute or issue, any applicable facts and evidence, the legal basis for the claim, and the specific demands or requests, such as a certain amount of money to be paid or a certain action to be taken. The letter also usually includes a deadline by which the demands must be met, as well as the consequences if the demands are not met, which often involves the initiation of formal legal proceedings.
Demand letters are commonly used in a variety of civil disputes, including those related to contract disputes, personal injury claims, debt collection, and property disputes, among others. In business settings, they may be sent to address issues like breach of contract, non-payment for services rendered, or other unfulfilled obligations.
The content and tone of a demand letter can vary widely depending on the context and the relationship between the parties. However, the aim is generally to be clear, succinct, and persuasive in making a legal claim. Sending a well-crafted demand letter is often a cost-effective way to resolve disputes, as it can lead to a negotiated settlement without the need for the time, expense, and uncertainty associated with legal proceedings.
Many of our cases at Lookout Law get settled on what we call “Holt demands.” These demands when written in a way that complies with the law can result in a liability carrier tendering its full policy limits in exchange for a release that still allows the claimant to pursue other insurance.
Vicarious liability is a legal doctrine that assigns responsibility to an individual or entity for the actions or omissions of another person, typically because of some form of relationship between the two parties. In many cases, this involves an employer being held liable for the actions of an employee, but vicarious liability can also extend to other types of relationships, such as between a principal and an agent, or between a parent company and its subsidiaries.
In the employment context, vicarious liability usually applies when an employee commits a wrongful act while acting within the scope of employment. For example, if a delivery driver, while making deliveries for their employer, negligently causes a car accident, the employer could potentially be held vicariously liable for the damage caused by the accident.
A claimant must prove that the at-fault person was acting within the course and scope of their employment in order to make the employer liable too. For example, if a FedEx driver deviates from his route to go pick his daughter up from school and gets in an accident on the way to the school, the driver will not likely be deemed to be within the scope and course of his employment. If the driver was on the way to drop off a package at the time of the accident, Fed Ex will be on the hook.
An interrogatory is a set of written questions that one party in a lawsuit sends to an opposing party as part of the discovery process. Discovery is the pre-trial phase in a lawsuit during which each party investigates the facts of a case, primarily by exchanging documents and other types of evidence. Interrogatories are designed to gather information that will help clarify the issues in a case and help with trial preparation.
The answers to interrogatories are generally provided under oath and may be used in court proceedings. However, because interrogatories are not oral testimony given under cross-examination, their evidentiary value may be limited. Nonetheless, they can be useful for gathering information, understanding the other party's case, and for preparing for depositions or trial.
The scope and number of interrogatories may be regulated by the rules of the court and by agreement between the parties. The Georgia Civil Practice Act places various limits and guidelines on the use of interrogatories. State court rules may differ, but they usually cover similar issues such as how many questions may be asked, the timeframe for answering, and the types of questions that are permissible.
Failure to respond to interrogatories within a specified time limit, or providing evasive or incomplete answers, can result in legal sanctions, including fines or other penalties.
Subrogation is a legal principle that allows one party to step into the shoes of another party for the purposes of bringing a claim for damages. This most commonly occurs in insurance and financial settings, where an insurance company may pay out benefits to its insured (the policyholder) for losses covered by the policy. The insurance company then "subrogates" against the party who caused the loss to recover the amounts paid out.
Here's a simplified step-by-step explanation to help illustrate the concept:
- Incident Occurs: Let's say you are involved in a car accident and it's the other driver's fault.
- Insurance Pays You: Your insurance company pays for your repairs under your own policy.
- Subrogation Begins: After your insurance company pays you, it may seek to get reimbursed by the at-fault driver's insurance company.
- Legal Action: Your insurance company may file a claim against the at-fault driver or their insurance company to recover the money it paid to fix your car.
- Recovery of Funds: If successful, your insurance company recovers the money from the at-fault driver's insurance company.
- Deductible: In some cases, if your insurance company recovers all the money, you may also get your deductible back.
Here are some key points about subrogation:
- Purpose: One of the main purposes of subrogation is to prevent the at-fault party from escaping financial responsibility for their actions. It also helps to keep insurance premiums lower for everyone by shifting the cost back to the responsible party or their insurer.
- Waiver of Subrogation: In some contracts or insurance policies, parties may agree to waive their right to subrogate against one another. This is common in some types of business contracts where the parties decide that each will cover their own risks.
- Health Insurance: Subrogation also occurs in health insurance. If you were injured due to someone else's negligence and your health insurer covered your medical costs, the insurer may subrogate against the negligent party to recover those costs.
- Complex Cases: Subrogation can get complicated, especially when multiple parties, jurisdictions, or types of insurance are involved.
- Legal Assistance: While the insurance companies handle much of the subrogation process, individuals may need to engage in the process, particularly if there are disputes about fault or the extent of damages.
For health insurers, their subrogation claims are often barred by Georgia’s made whole doctrine. In Georgia, as in some other states, the "Made Whole Doctrine" plays a significant role in subrogation cases. The Made Whole Doctrine is a legal principle designed to ensure that an injured party is fully compensated, or "made whole," before any subrogation rights are exercised by the insurance company to recoup payments it has made on the policyholder's behalf.
Here's how it works:
- Insurance Payment: After an accident or loss, your insurance company pays your medical bills based on your policy coverages.
- Seeking Damages: You or your insurance company pursue damages from the at-fault party.
- Full Compensation Assessment: Before your insurance company can exercise its subrogation rights to recover the amounts it paid out to you, the Made Whole Doctrine requires that you must be fully compensated for your losses.
- Priority of Payments: Essentially, you, as the insured, have the "first right" to any recovery from the at-fault party. Only after you have been made whole can the insurance company proceed with its subrogation claim.
The Made Whole Doctrine serves to protect consumers and ensure fairness in the distribution of recovery funds. However, the interpretation of being "made whole" can vary and may involve nuanced legal arguments. Generally, once a verdict is entered and there is enough insurance to pay the verdict, the plaintiff has been made whole and will have to reimburse all health insurers. This is a huge reason many Plaintiffs take a “compromised” settlement–to avoid having to pay health insurers back.
For instance, let's say your total losses from an accident amounted to $50,000, but you only recovered $40,000 from the at-fault party. In this case, under the Made Whole Doctrine, your insurance company generally could not exercise its subrogation rights to collect the amount it had paid out, since you haven't been "made whole."
It is important to note that ERISA qualified healthcare plans are subject to federal law and are not subject to Georgia’s made whole doctrine. In cases where these plans have paid medical expenses, their subrogation claims must be paid. However, Lookout Law always negotiates these amounts and aggressively pursues the smallest possible payoff number, often pennies on the dollar.
Gross negligence is a legal concept used to describe a level of carelessness or indifference that is substantially higher than what is considered "ordinary negligence." Whereas ordinary negligence involves a failure to exercise the care that a reasonably prudent person would exercise in a similar situation, gross negligence goes further. It generally denotes a complete disregard for the safety of others, extreme recklessness, or willful ignorance of the likely consequences of one's actions.
In many jurisdictions, proving gross negligence may result in greater penalties or punitive damages in a civil lawsuit compared to ordinary negligence. This is because the conduct involved often demonstrates a more severe lack of concern for the well-being of others. Gross negligence may also be a factor in criminal cases, depending on the jurisdiction and the specific circumstances involved.
For example, if a driver is texting and accidentally runs a red light, hitting another car, that could be considered ordinary negligence. If, however, the driver was not only texting but also speeding significantly while going through multiple red lights and ignoring signs warning of a school zone ahead, that could be seen as gross negligence.
In Georgia, punitive damages may be awarded in civil lawsuits when a plaintiff can prove by "clear and convincing evidence" that the defendant's actions showed "willful misconduct, malice, fraud, wantonness, oppression, or that entire want of care which would raise the presumption of conscious indifference to consequences."
The language "conscious indifference to consequences" aligns closely with the concept of gross negligence. Essentially, the law allows for punitive damages not just when a defendant intentionally causes harm, but also when the defendant's actions are so reckless or careless that they demonstrate a complete disregard for the likely consequences.
An expert witness is someone who has specialized knowledge, training, or experience in a particular subject that is beyond that of the average person. Expert witnesses are called upon in legal cases to provide their professional opinion, typically by way of testimony, reports, or affidavits, in order to assist the court in understanding complex issues that are beyond the understanding of the layperson. The role of the expert witness is to provide objective, unbiased opinions based on their expertise.
In Georgia, as in many U.S. jurisdictions, the qualification of an expert witness is largely governed by rules of evidence. Specifically, O.C.G.A. § 24-7-702 outlines the criteria for an expert witness:
"A witness who is qualified as an expert by knowledge, skill, experience, training, or education may testify in the form of an opinion or otherwise if:
- The expert's scientific, technical, or other specialized knowledge will help the trier of fact to understand the evidence or to determine a fact in issue;
- The testimony is based upon sufficient facts or data;
- The testimony is the product of reliable principles and methods; and
- The expert has reliably applied the principles and methods to the facts of the case."
In essence, a witness in Georgia may be qualified as an expert if they possess specialized knowledge that will help the court understand the evidence or the issues in the case, and their testimony is based on reliable methods that have been correctly applied to the facts at hand. It is generally the responsibility of the attorney who is calling the expert to demonstrate that these criteria have been met.
A counterclaim is a claim that the defendant in a lawsuit may make against the plaintiff. Essentially, the defendant can claim that, not only should the original suit be dismissed, but also that the defendant should receive some remedy (usually monetary compensation) from the plaintiff. This adds another layer of complexity to the original lawsuit, as the court must decide on the merits of both the original claim and the counterclaim.
Usually, at Lookout Law, we only see counterclaims in cases of he-said-she-said scenarios where both parties blame the other. In these scenarios, the stakes can be high. We often advise clients not to bring claims in these scenarios unless they are sure we can prove their version through corroborating evidence.
At Lookout Law we are in the business of getting money for our clients–not having our clients have to pay money they otherwise would not have had to pay. Sometimes, it is best to let the sleeping dog lie.
Yes you can claim property damage in Georgia. However, under Georgia law these claims can be separate from the injury claim.
Plaintiff lawyers rarely represent clients on property damage, mostly because the greatest possible recovery is the value of the car ro its repair cost (whichever is smaller). Claimants do not need an attorney taking a fee from that amount. Also, if a defendant’s insurer is denying your claim, you can always work through your insurer if you have comprehensive coverage.
At Lookout Law we often assist injury clients as favor with tricky property damage disputes.
Under the concept of joint and several liability, each defendant in a lawsuit could be held responsible for the entire amount of the judgment, regardless of their individual share of the fault.
However, Georgia does not follow this model. In Georgia defendants are responsible for their share of the damage caused.
Mediation is a method used to resolve disputes and conflicts between parties in a structured and facilitated manner. It involves a neutral third party known as a mediator, who assists the parties in reaching a mutually agreeable solution. The process is voluntary and confidential, aiming to encourage open communication and cooperation between the involved parties.
The mediation process typically unfolds as follows:
The process begins with both parties agreeing to participate voluntarily in mediation. A mediator, chosen by mutual consent or appointed, guides the process.
The mediator conducts separate initial meetings with each party to understand their perspectives and concerns.
A joint session is then arranged, where both parties come together under the mediator's guidance. This enables each party to present their viewpoint without interruption and helps in clarifying misunderstandings.
The mediator helps identify the main issues that need resolution, focusing on underlying interests rather than rigid positions.
Parties engage in brainstorming sessions facilitated by the mediator to generate various possible solutions to the identified issues.
The mediator facilitates discussions where parties negotiate and discuss proposed solutions. This is a platform for parties to interact constructively and seek clarification.
Parties may evaluate proposed solutions with the mediator's assistance, considering potential consequences and aligning with their interests.
As the discussion progresses, parties may modify, combine, or refine proposed solutions in order to achieve a mutually acceptable agreement.
Once an agreement is reached, the mediator helps draft a written agreement outlining the terms of the resolution.
Both parties review and sign the agreement if they are satisfied. The mediator ensures comprehension and voluntary acceptance.
Benefits of mediation include voluntary participation, confidentiality, increased control over outcomes, preservation of relationships, and greater efficiency compared to formal legal processes.
However, mediation may not be suitable for all situations, particularly when power imbalances exist or when parties are unwilling to engage genuinely.
In successful cases, mediation offers a collaborative and enduring resolution to conflicts.
At Lookout Law over 90% of our cases that go to mediation either settle at mediation or within a
few days of mediation with the continued assistance of a mediator.
Road rage refers to aggressive or violent behavior exhibited by drivers on the road. This behavior can manifest in various ways, such as tailgating, speeding, honking excessively, making rude gestures, or verbally abusing other drivers. In extreme cases, road rage can escalate into physical confrontations, where drivers engage in dangerous driving behaviors that could put themselves and others at risk of serious injury or death.
The causes of road rage can be complex and are often a combination of environmental factors, personal stress, and individual temperament. Some of the common triggers include congested traffic, running late, and encounters with other drivers who are perceived as disrespectful or reckless.
Road rage is a serious issue and can lead to dangerous situations on the road. Law enforcement agencies encourage drivers to practice patience and courtesy to mitigate road rage incidents and promote safe driving. If you find yourself in a situation involving road rage, it's generally best to avoid engaging with the aggressive driver and to focus on maintaining your own safe driving behavior. If the situation escalates, it may be necessary to call the police for assistance.
Clients often want to accuse the negligent driver of road rage, thinking the shocking evidence will bolster their injury claim and influence how the insurer sees the case value or how a jury may award damages. However, this can be a risky proposition. Insurers generally exclude intentional acts from coverage. If the allegations insinuate the defendant driver hit you on purpose, you could lose the insurance coverage you need. However, if the behavior demonstrates willful, wanton or reckless behavior, it could support a punitive damages claim which increases your cases value.
Wrongful death claims can be pursued when someone dies due to the negligence, recklessness, or intentional conduct of another person, company, or entity. These claims are generally intended to provide compensation to the surviving family members or estate of the deceased person.
Who Can File a Wrongful Death Claim in Georgia?
In Georgia, the following individuals, in order of priority, can file a wrongful death claim:
- Spouse of the deceased
- Children (if there is no spouse)
- Parents (if there is no spouse or children)
- Executor of the deceased person's estate (if no surviving spouse, children, or parents)
What Damages Can Be Recovered?
Georgia law allows for the recovery of both economic and non-economic damages, which can include:
- Lost wages and benefits (by the estate only)
- Medical expenses related to the deceased's final illness or injury (by the estate only)
- Funeral and burial costs (by the estate only)
- Full value of the life (by the wrongful death heirs only)
The fact that different classification of damages can only be recovered by an estate and others only by the heirs directly, it is important to contact Lookout Law as soon as possible after such a tragic situation.
Statute of Limitations
In Georgia, a wrongful death claim generally needs to be filed within two years of the date of the deceased person’s death (estate claims are tolled for up to several years until an estate is set up). There are some exceptions to this rule, but failing to file a claim within the statute of limitations can bar you from ever bringing a claim.
Value
Wrongful death cases can result in substantial monetary awards, sometimes reaching into the millions or tens of millions of dollars. The amount can vary depending on a range of factors such as the evidence presented, the skill of the legal representatives, the specifics of the case, the jury's disposition, and other elements.
Malpractice refers to professional negligence by a licensed professional (not just a healthcare provider). This occurs when the professional fails to provide the standard of care that other professionals in the same field would under similar circumstances, and this failure results in harm or injury to the client.
Special rules apply in medical malpractice cases in Georgia, such as requirements for expert witnesses to testify about the standard of care and specific time limitations on the latest possible filing of a suit ("statute or repose").
In addition to lawyers and doctors, these special rules for malpractice apply to all professionals licensed by the Secretary of State. Some of the professionals and entities that are licensed by the Georgia Secretary of State may include:
- Accountants
Architects - Athletic Trainers
- Auctioneers
- Barbers
- Cosmetologists
- Counselors, Social Workers, and Marriage and Family Therapists
- Dentists and Dental Hygienists
- Dietitians
- Engineers and Land Surveyors
- Funeral Directors and Embalmers
- Geologists
- Hearing Aid Dispensers
- Landscape Architects
- Librarians
- Nurses
- Optometrists
- Pharmacists
- Physical Therapists and Physical Therapist Assistants
- Physicians and Physician Assistants
- Podiatrists
- Private Detectives and Security Agencies
- Psychologists
- Real Estate Appraisers
- Real Estate Agents and Brokers
- Respiratory Care Professionals
- Used Car Dealers
- Veterinarians
- Notaries Public
Malpractice refers to professional negligence by a licensed professional (not just a healthcare provider). This occurs when the professional fails to provide the standard of care that other professionals in the same field would under similar circumstances, and this failure results in harm or injury to the client.
Special rules apply in medical malpractice cases in Georgia, such as requirements for expert witnesses to testify about the standard of care and specific time limitations on the latest possible filing of a suit ("statute or repose").
In addition to lawyers and doctors, these special rules for malpractice apply to all professionals licensed by the Secretary of State. Some of the professionals and entities that are licensed by the Georgia Secretary of State may include:
- Accountants
Architects - Athletic Trainers
- Auctioneers
- Barbers
- Cosmetologists
- Counselors, Social Workers, and Marriage and Family Therapists
- Dentists and Dental Hygienists
- Dietitians
- Engineers and Land Surveyors
- Funeral Directors and Embalmers
- Geologists
- Hearing Aid Dispensers
- Landscape Architects
- Librarians
- Nurses
- Optometrists
- Pharmacists
- Physical Therapists and Physical Therapist Assistants
- Physicians and Physician Assistants
- Podiatrists
- Private Detectives and Security Agencies
- Psychologists
- Real Estate Appraisers
- Real Estate Agents and Brokers
- Respiratory Care Professionals
- Used Car Dealers
- Veterinarians
- Notaries Public
A default judgment generally occurs in civil court when one party fails to respond to a legal action, such as a summons and complaint, within the timeframe prescribed by law. When this happens, the court may enter a default judgment in favor of the party who initiated the legal action, effectively granting them the relief or award they were seeking without requiring a full trial to determine the facts of the case.
In Georgia, as in many other U.S. jurisdictions, a defendant has a specific amount of time (often 30 days) to file an "Answer" to a complaint after being officially served with the Complaint and summons. Failing to do so may result in a default judgment. Furthermore, the plaintiff may be required to present evidence supporting the default judgment even if the defendant does not appear.
Default judgments are generally enforceable in the same way as any other court judgment and may result in a financial award, a court order directing the defendant to take or refrain from taking certain actions, or other remedies as provided by law. It is important to note that in the injury context, a default judgment only gets you past the liability portion of your case (a determination that the other guy caused the accident and injured you). Proving the extent of your injuries, medical costs and pain and suffering must still be proven in front of a judge or a jury in a trial.
There are procedures for setting aside a default judgment under certain circumstances, such as if the defaulted party can prove they were not properly served with notice of the legal action, or if they can demonstrate other good cause for their failure to respond.
At Lookout Law we sometimes agree to open default for defendants to make sure the liability insurance coverage is preserved. Georgia law allows insurers to potentially escape coverage if the insured did not timely notify them of the lawsuit and cooperate fully. Lookout Law’s goal is to recover money for you–not just get a piece of paper that says somebody else was wrong!
A plaintiff is a person, organization, or entity who initiates a lawsuit in a civil court of law by filing a complaint or petition against another party (often referred to as the "defendant"). The plaintiff seeks a legal remedy or relief from the defendant and has the burden of proving their case. Essentially, the plaintiff is claiming that the defendant has violated some legal right or owes some duty, and as a result, the plaintiff has suffered harm or damages.
The plaintiff's role is to present evidence and legal arguments that support their claims. This is generally accomplished with the help of legal representation, although a plaintiff can also represent themselves, a practice known as "pro se" representation. The objective is to convince the court that the plaintiff’s claims are valid and that they are entitled to the relief sought, which can range from monetary compensation to an injunction that orders the defendant to do or cease doing something.
The term "plaintiff" is primarily used in civil cases, as opposed to criminal cases, where the prosecution represents the state or federal government against a defendant accused of breaking the law.
In summary, the plaintiff is the party who brings a legal action against another party in a civil court, aiming to obtain a remedy for some harm or wrong done by the defendant.
At Lookout Law we are committed to providing the very best representation to Plaintiff’s who have been injured by the negligence of others.
The term "defendant" refers to an individual, company, or institution sued or accused in a court of law. In criminal cases, the defendant is the party accused of committing a crime. In civil cases, the defendant is the party being sued, typically for damages. The opposite party, the one who initiates legal proceedings, is called the "plaintiff" in civil cases and the "prosecution" in criminal cases.
The defendant has the right to present their case, including providing evidence and witnesses in their defense, in a court of law. In many jurisdictions, the defendant in a criminal case is presumed innocent until proven guilty. This means the burden of proof typically falls on the prosecution to demonstrate the defendant's guilt beyond a reasonable doubt.
The defendant usually has the right to legal representation, and in many jurisdictions, if the defendant cannot afford an attorney, one will be appointed by the court (often a public defender). Different rules, standards, and rights apply to defendants in different jurisdictions and types of cases, but generally, the concept revolves around the party responding to a legal claim or charge.
One common misconception we often encounter is the notion that we “will sue the insurance.” Insurance companies, except in very special circumstances, are not defendants in injury lawsuits. Their insured(s) is/are the only proper defendants. Generally speaking, Insurance companies are only contractually obligated to defend their insureds and pay judgments obtained against their insured up to the policy limits of the insurance coverage purchased by their insured. At trial, other than hearing the judge qualify jurors before trial to make sure nobody in the jury pool has a relationship to the insurance companies involved in the suit, the jury is forbidden from hearing anything about insurance, including whether any is in place and what the policy limits are. As you might expect, this makes suits against corporate entities more valuable than suits against ordinary people. It is likely that most drivers are on a state minimum policy of $25k in liability insurance (including most of the jury pool). It has been our experience at Lookout Law that juries worry about regular people at both tables in a trial. Accordingly, it is easy to understand why it is difficult to get large verdicts against ordinary defendants.
An appeal is a formal request asking a higher court to review and change the decision of a lower court. The grounds for an appeal vary depending on jurisdiction and the type of case but usually involve some alleged error of law, procedure, or fact that significantly affected the outcome of a case. Appeals are part of the system of checks and balances within the judiciary and provide a mechanism for correcting errors or abuses that may have occurred during the initial trial or legal proceedings.
In Georgia, appeals can be filed for both civil and criminal cases. Appeals from trial courts in Georgia typically go to one of two appellate courts: the Georgia Court of Appeals or the Supreme Court of Georgia (generally an appeal must go to the Court of Appeals first and then to the Georgia Supreme Court if upon application iit decides it wants to weigh in on the issues . The Georgia Court of Appeals is the intermediate appellate court, and it reviews most appeals from lower courts in the state. The Supreme Court of Georgia is the highest court and primarily deals with constitutional issues, murder cases, and important issues in Georgia civil law.
To appeal a decision, a party generally needs to file a Notice of Appeal within a certain time frame after the final judgment or order has been entered by the lower court. Following that, the appellant must submit an appellate brief to the appellate court, outlining the legal arguments and citing relevant laws and precedents for why the lower court's decision should be overturned or modified.
Both sides may present oral arguments before the appellate court, which will then issue a written opinion. The opinion may affirm the lower court's decision, reverse it, remand the case back to the lower court for further proceedings, or take some other action as deemed appropriate.
The process and criteria for appeals can be complex, involving specific rules, deadlines, and procedures that must be followed meticulously.
The phrase "res ipsa loquitur" is a Latin term that translates to "the thing speaks for itself" in English. This legal doctrine is used in tort law as a way to infer negligence on the part of the defendant without the need for direct evidence. Under the res ipsa loquitur principle, the circumstances surrounding the incident or injury are such that it would not have occurred unless someone was negligent.
For the doctrine to be applied, a few conditions generally must be met:
- The accident or injury must be of a kind that does not usually occur without someone's negligence.
- The instrumentality or agent that caused the accident or injury was under the exclusive control of the defendant.
- The plaintiff must not have contributed to the accident or injury.
An example often cited is that of a barrel rolling out of a warehouse and injuring someone walking by. In such a case, the event usually wouldn’t occur without negligence, the barrel was under the exclusive control of the warehouse owner, and the injured party didn’t contribute to the event. Under res ipsa loquitur, negligence might be inferred even if there is no direct evidence pointing to how exactly the barrel ended up hitting the passerby.
It's important to note that res ipsa loquitur doesn't prove negligence conclusively; it allows for an inference of negligence, which the defendant can then rebut. If the defendant offers a reasonable explanation showing they were not negligent, they may avoid liability.
The phrase "res ipsa loquitur" is a Latin term that translates to "the thing speaks for itself" in English. This legal doctrine is used in tort law as a way to infer negligence on the part of the defendant without the need for direct evidence. Under the res ipsa loquitur principle, the circumstances surrounding the incident or injury are such that it would not have occurred unless someone was negligent.
For the doctrine to be applied, a few conditions generally must be met:
- The accident or injury must be of a kind that does not usually occur without someone's negligence.
- The instrumentality or agent that caused the accident or injury was under the exclusive control of the defendant.
- The plaintiff must not have contributed to the accident or injury.
An example often cited is that of a barrel rolling out of a warehouse and injuring someone walking by. In such a case, the event usually wouldn’t occur without negligence, the barrel was under the exclusive control of the warehouse owner, and the injured party didn’t contribute to the event. Under res ipsa loquitur, negligence might be inferred even if there is no direct evidence pointing to how exactly the barrel ended up hitting the passerby.
It's important to note that res ipsa loquitur doesn't prove negligence conclusively; it allows for an inference of negligence, which the defendant can then rebut. If the defendant offers a reasonable explanation showing they were not negligent, they may avoid liability.
Georgia law provides that an individual cannot recover for injuries sustained while participating in an activity if they had full knowledge and understanding of the risks involved and voluntarily chose to engage in the activity regardless. The defense aims to show that the injured party either knew or should have known about the risk but decided to proceed anyhow.
For the assumption of the risk defense to be effective, the following elements generally have to be present:
- The plaintiff had actual knowledge of the danger involved in the activity.
- The plaintiff understood and appreciated the risks associated with such danger.
- The plaintiff voluntarily exposed themselves to those risks.
For example, if someone goes hiking despite posted warnings of dangerous terrain and suffers an injury as a result, they may be found to have assumed the risk, limiting or eliminating their ability to recover damages in a lawsuit.
However, there are limitations to the application of this doctrine. For instance, if the defendant's conduct was willful or wanton, or if the defendant had a duty to make the situation safer and failed to do so, the assumption of the risk defense may not apply. It's also crucial to differentiate between "primary assumption of risk," where the defendant owes no duty to the plaintiff (e.g., participants in a contact sport), and "secondary assumption of risk," where the defendant does owe a duty, but the plaintiff chose to encounter the risk anyway.
Malpractice refers to professional negligence by a licensed professional (not just a healthcare provider). This occurs when the professional fails to provide the standard of care that other professionals in the same field would under similar circumstances, and this failure results in harm or injury to the client.
Special rules apply in medical malpractice cases in Georgia, such as requirements for expert witnesses to testify about the standard of care and specific time limitations on the latest possible filing of a suit ("statute or repose").
In addition to lawyers and doctors, these special rules for malpractice apply to all professionals licensed by the Secretary of State. Some of the professionals and entities that are licensed by the Georgia Secretary of State may include:
- Accountants
Architects - Athletic Trainers
- Auctioneers
- Barbers
- Cosmetologists
- Counselors, Social Workers, and Marriage and Family Therapists
- Dentists and Dental Hygienists
- Dietitians
- Engineers and Land Surveyors
- Funeral Directors and Embalmers
- Geologists
- Hearing Aid Dispensers
- Landscape Architects
- Librarians
- Nurses
- Optometrists
- Pharmacists
- Physical Therapists and Physical Therapist Assistants
- Physicians and Physician Assistants
- Podiatrists
- Private Detectives and Security Agencies
- Psychologists
- Real Estate Appraisers
- Real Estate Agents and Brokers
- Respiratory Care Professionals
- Used Car Dealers
- Veterinarians
- Notaries Public
Suing a government entity is much more complicated and full of pitfalls than other injury lawsuits.
Before you can sue a local or state government entity in Georgia, you may be required to provide the entity with a notice of claim or ante litem notice. This is typically a written notice stating your intention to sue, the reasons for the lawsuit, and often the amount of damages you are seeking. The timelines and specific requirements for these notices can vary depending on the entity involved. The timeline can be as short as within 6 months after the incident! Failure to file a legally compliant notice will bar your case.
Generally governments are protected by sovereign immunity, the concept that the king cannot be sued. However these special procedures and laws will usually get you around sovereign immunity in the context of injury cases.
Economic Damages
Economic damages are those that are easily quantifiable and relate directly to financial loss or out-of-pocket expenses. These include:
- Medical expenses: This can be both past and future medical bills resulting from the injury.
- Lost wages: If the injury forced the plaintiff to miss work or resulted in a reduced earning capacity, compensation for those lost wages can be included.
- Property damage: If there was any damage to personal property, such as a car in an auto accident, compensation could be included for repairs or replacement.
- Other specific financial losses: These can include any other out-of-pocket expenses that were a direct result of the injury.
Non-Economic Damages
Non-economic damages are not as easily quantifiable and relate to the more abstract effects of an injury. These may include:
- Pain and suffering: This is the physical and emotional distress caused by the injury.
- Emotional distress: This refers to any psychological effects, such as anxiety, depression, or other emotional issues resulting from the injury.
- Loss of consortium: This refers to the loss of companionship, support, and intimacy between spouses due to an injury.
- Loss of enjoyment of life: This involves damages for not being able to engage in activities or hobbies one previously enjoyed.
How to Issue a Subpoena
- Identify What or Who You Need: Determine whether you need documents, a witness, or both for your civil case.
- Get the Subpoena Form: Obtain the official subpoena form, which may be available at your local clerk’s office or online. Some jurisdictions may also accept subpoenas drafted by attorneys.
- Complete the Form: Fill out the subpoena form. Be as specific as possible in stating what documents you need or who you are summoning to testify.
- Review Local and State Rules: Ensure that you are complying with Georgia's laws and any local court rules regarding subpoenas. Different counties might have different rules or procedures.
- Notice to Parties: In some cases, you may be required to provide notice to other parties in the case when you issue a subpoena.
- Approval from the Clerk or Judge: Submit the filled-out subpoena form to the clerk of the court where your civil case is pending for approval or stamping. In some instances, you might need a judge's signature.
- Service of Subpoena: Once the subpoena is approved, it must be served on the individual or entity that is being ordered to produce documents or appear. In Georgia, a subpoena can generally be served by a sheriff, deputy sheriff, or any other person who is not a party to the case and is not younger than 18 years of age. Certified mail, overnight delivery, and other methods may also be permitted.
- Proof of Service: The person who serves the subpoena typically must provide "proof of service," often by filling out a portion of the subpoena form indicating when and how the subpoena was delivered. This proof of service usually must be filed with the court.
- Objections and Motions to Quash: Be prepared for the possibility that the recipient may object to the subpoena or file a motion to quash it. If this happens, you may have to appear in court to argue why the subpoena should be enforced.
- Compliance or Penalties: Once the subpoena is served and if there are no successful objections, the recipient is legally obligated to comply by the date specified. Failure to do so could result in contempt of court.
Note
- Fees: There may be fees associated with issuing and serving subpoenas, as well as compensating witnesses for their time and travel.
Litigation is the process of taking legal action, typically in a court of law, to enforce or defend a legal right. It involves a plaintiff initiating a lawsuit against a defendant, with the aim of receiving some form of relief, such as monetary compensation, or an injunction to perform or refrain from performing a specific act. Litigation can be civil or criminal in nature and encompasses a broad range of legal actions, from small claims cases to complex corporate disputes.
At Lookout Law, we generally refer to everything that happens in your case upon and after filing a lawsuit as “litigation.” We refer to everything before that as pre-litigation.
Spoliation refers to the intentional, reckless, or negligent withholding, hiding, altering, fabricating, or destroying of evidence relevant to a legal proceeding. Spoliation can result in severe penalties, including monetary sanctions, adverse inference instructions, and even dismissal of a claim or granting of a default judgment.
In the state of Georgia, spoliation has its roots in case law rather than in specific statutes. In the Georgia legal context, spoliation can trigger an "adverse inference" jury instruction, which allows the jury to infer that the missing evidence would have been unfavorable to the party responsible for its destruction or loss.
The Georgia courts typically consider the following factors when determining whether an adverse inference is warranted:
- Was the party under a duty to preserve the evidence?
- Was the loss or destruction of the evidence intentional or a result of negligence?
- Would the evidence that was lost or destroyed have been relevant to the issues at hand?
At Lookout Law, we will occasionally get cases where the big truck “cannot locate” digital video files from the vehicle cameras or a store where a plaintiff slipped recorded over monitoring video footage.
A settlement conference is a meeting between opposing sides of a lawsuit, their attorneys, and involved insurers with the goal of resolving the dispute before going to trial. It is similar to a mediation without the assistance of the third party neutral. The conference is often ordered by the court as part of the pretrial procedures but can also be voluntarily initiated by either party. The primary purpose is to facilitate discussion and negotiation to see if a mutually agreeable resolution can be reached without the time, cost, and uncertainty of a full trial.
During a settlement conference, both sides will typically present their case informally, summarizing the key facts and legal arguments. They may also discuss the strengths and weaknesses of their respective positions and explore different settlement options, such as monetary compensation, an apology, a contractual obligation, or some combination thereof.
Closing arguments are the final statements made by attorneys in a trial, following the presentation of all evidence, testimony, and legal arguments. They serve as a summary and interpretation of the case from each party's perspective, aimed at persuading the judge or jury to decide in their favor. Closing arguments are not evidence; rather, they are summations and interpretations of the evidence that has been presented during the trial.
In a typical trial, the attorney for the plaintiff (or prosecution in a criminal case) presents their closing argument first. This is followed by the defendant's closing argument. In some jurisdictions, the plaintiff or prosecutor may then have an opportunity for a rebuttal, given that they bear the burden of proof.
In Georgia, if the Defendant does not introduce any of its own evidence but only challenges the Plaintiff's evidence, the Defendant gets the last say during closing arguments. If Defendant enters any evidence at all, Plaintiff ahs the right to go first and last in closing arguments.
In civil cases in Georgia—as in many other jurisdictions—the plaintiff typically bears the burden of proof. This means that the plaintiff must present evidence that is sufficient to persuade the fact-finder (which could be a judge or jury) of the truth of the claim being made.
The standard of proof in civil cases is usually the "preponderance of the evidence," which means that the plaintiff must show that it is more likely than not that the defendant is liable for the alleged harm or violation. This is a lower standard than "beyond a reasonable doubt," which is used in criminal cases.
Essentially, the jury is "deadlocked" and cannot come to an agreement even after prolonged deliberation. This is generally considered a failure of the trial process for that particular case, as the aim is to reach a conclusive verdict.
The consequences of a hung jury results in a mistrial, and the Plaintiff must decide whether to drop the claim or retry the case with a new jury. In some cases, a hung jury may lead to plea bargains or other settlements.
Hung juries are relatively rare but can occur in any case where a jury is required. They are more likely to happen in complex or controversial cases where jurors have strong and differing opinions.
In civil cases in Georgia—as in many other jurisdictions—the plaintiff typically bears the burden of proof. This means that the plaintiff must present evidence that is sufficient to persuade the fact-finder (which could be a judge or jury) of the truth of the claim being made.
The standard of proof in civil cases is usually the "preponderance of the evidence," which means that the plaintiff must show that it is more likely than not that the defendant is liable for the alleged harm or violation. This is a lower standard than "beyond a reasonable doubt," which is used in criminal cases.
"Voir dire" is a legal term commonly used in the United States and Canada to describe the process by which prospective jurors are questioned about their backgrounds and potential biases before being chosen to sit on a jury. The term is of French origin, meaning "to speak the truth." In the United Kingdom and some other legal systems, a similar process is generally referred to as "jury selection" or "empanelment."
The process of voir dire can also extend to the questioning of witnesses to determine their competence, credibility, or expertise before they are allowed to testify in court. In addition, voir dire may also refer to a preliminary examination to assess the qualifications or suitability of experts, interpreters, or other special roles within the legal process.
The purpose of voir dire in the context of jury selection is to ensure that jurors can be fair and impartial, and that they do not have any conflicts of interest that would make it inappropriate for them to serve on the jury. Both the plaintiff and the defense have the opportunity to question prospective jurors.
After questioning, attorneys for each side may make challenges for cause, asking the judge to remove prospective jurors who appear incapable of rendering a fair verdict. Attorneys also have a limited number of peremptory challenges, which allow them to remove a juror without giving a reason, although these cannot be used in a manner that discriminates based on race, gender, or other protected categories.
The voir dire process is seen as a crucial element of the adversarial legal system, aimed at promoting fairness and impartiality in legal proceedings.
Personal Injury
Asserting a claim and filing an action are two different things. Your case usually begins by making a demand on the applicable insurance company when you finish treating with your medical provider. This is called making a claim, and begins the settlement negotiations. However, some cases are unable to be settled and need to have an actual lawsuit or legal action filed against the defendant.
To properly assert a claim against Georgia insurance policies and to make sure you are pursuing all possible such insurance policies, you should contact us at Lookout Law.
With few exceptions, the statute of limitation for personal injury actions in Georgia is two years from the date of the incident giving rise to your injuries. This means that a legal action filed in court after such expiration will be time barred and dismissed.
In most cases, a lawsuit is not even necessary. However, to settle a case before filing an action is necessary, the lawyer must have time to collect your medical records and negotiate with the insurance company. If legal action is necessary, your attorney will need time to prepare the suit and become up to date on the facts and medicine underlying your claim. If you walk into a lawyer’s office two days before the expiration of the two year period, the lawyer is likely to decline your case out of fear of not having enough time to do things properly.
At Lookout Law, we pride ourselves on filing our clients’ lawsuits much in advance of the statute of limitation. We aim to have negotiations exhausted within a month after you are finished treating with medical providers (sometimes sooner). If a lawsuit is necessary, we promptly file it as soon as we know negotiations were unsuccessful. Most of Lookout Law’s cases are filed with well over a year remaining on the statute of limitation. Beware of any firm that is routinely filing cases at or near the statute of limitation, as that is often a sign of negligent case handling!
Personal injury settlements are calculated based on a variety of factors that take into account the extent of the injuries, the impact on the injured person's life, and the circumstances of the accident. While I can provide a general overview, it's important to note that each case is unique, and settlement calculations can vary based on the specifics of the situation. Consulting with an experienced personal injury attorney such at Lookout Law is crucial for accurate advice tailored to your case.
For example, a broken leg case against an ordinary driver may be worth as little as $25k if that is all of the insurance that is available. The same case against a large corporation like a trucking company may be worth seven figures.
The value of that same case will be dramatically different depending on the County in Georgia where it must be tried (in Georgia defendants get home court advantage). A case worth $500,000.00 in Dekalb County may be worth $70,000.00 in Catoosa County.
At Lookout Law most of our cases wrap up within a few months from the time you stop treating with your medical providers. This question of case time, however, is one of the most important in selecting a law firm!
At Lookout Law we have seen other local firms who regularly file suits in the days just before the statute of limitations and then drag out the suits in court for years. In those scenarios, it is not uncommon for a case to last four or five years, or even more!
At Lookout Law, speed and efficiency is a priority!
Bad lawyers can significantly delay the resolution of injury cases, causing frustration, financial strain, and prolonged emotional distress for victims seeking justice and compensation. While not all delays are the result of incompetence, certain behaviors and practices can cause unnecessary setbacks. Here's an exploration of how bad lawyers might contribute to delays in injury cases:
- Inadequate Investigation: A key responsibility of an attorney is to thoroughly investigate the circumstances of the case. Bad lawyers may fail to gather crucial evidence, interview witnesses, or consult experts. This can lead to incomplete information, weakening the case and forcing further investigation, thereby delaying progress.
- Missed Deadlines: Legal proceedings have strict deadlines. Incompetent lawyers might overlook crucial filing deadlines, leading to missed opportunities or even dismissal of the case. Each missed deadline can set the case back significantly and cause unnecessary delays.
- Lack of Communication: Effective communication is vital between a lawyer and their client. Bad lawyers might fail to keep their clients informed about the case's progress, leaving victims in the dark and causing frustration. Poor communication can lead to misunderstandings, missed opportunities, and unnecessary delays.
- Inefficient Paperwork: Legal cases involve substantial paperwork, from court filings to documentation. Incompetent lawyers may struggle with paperwork, leading to errors, rejected filings, and the need for corrections. This paperwork mismanagement can lead to delays and hinder the case's advancement.
- Weak Negotiation Skills: Many injury cases settle through negotiation. Bad lawyers might lack the negotiation skills needed to reach favorable settlements efficiently. Prolonged negotiations can unnecessarily extend the timeline of the case, causing delays and increasing stress for the victim.
- Failure to Engage Experts: Complex injury cases often require the expertise of medical professionals, accident reconstruction specialists, or other experts. Bad lawyers might neglect to engage these experts, leading to a weaker case and the need for last-minute expert involvement, causing delays.
- Unnecessary Continuances: Lawyers may request continuances for valid reasons, but bad lawyers might misuse this tactic to buy more time or inadequately prepare. Continuances can delay court dates, prolonging the case and adding stress to the victim.
- Unrealistic Promises: Incompetent lawyers might make unrealistic promises to clients about the case's outcome or timeline. When these promises go unfulfilled, it can lead to frustration, mistrust, and delays as the victim seeks alternative legal counsel.
- Lack of Preparation: Effective preparation is crucial for court appearances and negotiations. Bad lawyers might enter proceedings unprepared, leading to adjournments, further preparation time, and needless delays.
- Settlement Delays: If the opposing party offers a settlement, a bad lawyer might delay decisions or fail to communicate the terms effectively. This can prolong negotiations and delay the final resolution of the case.
- Ignoring Client Concerns: A lawyer's role is to address their client's concerns and answer their questions. Bad lawyers might dismiss or ignore client inquiries, leading to confusion and delays as clients seek answers.
- Lack of Focus: Lawyers with multiple cases might struggle to manage their workload effectively. This lack of focus can lead to overlooked details, missed deadlines, and overall delays in case progress.
In the realm of personal injury law, delays caused by bad lawyers can significantly impact victims' lives. Such delays hinder the pursuit of justice, prolong financial strain, and exacerbate the physical and emotional stress experienced by injury victims. It's crucial for those seeking legal representation to carefully vet potential lawyers, seeking out experienced, reliable, and ethical professionals who will work diligently to ensure a timely and fair resolution to their cases. At Lookout Law, we will expeditiously lookout for your best interests.
Rarely, if ever, is a client put in a better position by not using a lawyer. Here are a few factors to consider:
- Severity of the Injury: If your injury is minor and you've fully recovered without significant medical bills or long-term effects, you might be able to handle the case on your own. However, if the injury is severe, resulting in substantial medical expenses, long-term disability, or significant pain and suffering, consulting a lawyer could be beneficial.
- Liability and Complexity: If the circumstances surrounding the injury are straightforward and liability is clear, you might be able to negotiate a settlement with the responsible party's insurance company without a lawyer. However, if liability is disputed or the case is complex, legal representation might be necessary to navigate the legal processes effectively.
- Insurance Companies: Insurance companies often aim to minimize payouts. Having a lawyer can level the playing field when dealing with insurance adjusters, ensuring you receive a fair settlement.
- Legal Expertise: Personal injury law can be intricate and varies by jurisdiction. A lawyer with experience in this area can help you understand your rights, assess the strength of your case, and guide you through the legal process.
- Negotiation and Litigation: Lawyers are skilled negotiators and can work to secure a better settlement. If a fair settlement cannot be reached, they can represent you in court if necessary.
- Statute of Limitations: There is a limited window of time within which you can file a personal injury claim (statute of limitations). A lawyer can ensure you meet these deadlines and file all necessary paperwork correctly.
- Contingency Fees: Many personal injury lawyers work on a contingency fee basis, which means they only get paid if you win your case. This can alleviate the financial burden of upfront legal fees.
- Legal Expertise: Lawyers who specialize in personal injury cases have a deep understanding of the legal system, relevant laws, regulations, and case precedents. They can effectively navigate the complexities of your case and advocate on your behalf. This expertise can potentially lead to a higher settlement or verdict.
- Case Evaluation: A skilled attorney can accurately assess the value of your case based on factors like medical expenses, lost wages, pain and suffering, future medical needs, and potential long-term effects of the injury. They can help ensure that you're seeking an appropriate amount in damages.
- Negotiation Skills: Lawyers are experienced negotiators. They know how to communicate with insurance companies, defense attorneys, and other parties involved in the case. Their negotiation skills can lead to better settlements that cover all your relevant expenses.
- Legal Strategy: Attorneys can develop a strategic approach to your case, including gathering evidence, interviewing witnesses, and building a strong argument for your claim. This can enhance your chances of success in court or during settlement negotiations.
- Court Experience: If your case goes to court, having a lawyer with courtroom experience can be invaluable. They can present your case effectively, cross-examine witnesses, and handle legal procedures professionally.
At Lookout Law we pride ourselves on being a value-added component of the injury claim process. If a client would truly be better off without our assistance, we have no problem simply telling a potential client exactly that.
At Lookout Law we charge the customary ⅓ (33.33%) of recovery contingency fee of all cases that settle before a lawsuit is necessary and 40% on cases where court is necessary. You should be suspicious of firms charging more (as it may be unethical) and of firms charging less (as they may be leveraging large volumes of impersonal cases to make up the difference). You want your attorney engaged in the fight!
A contingency fee is a legal fee arrangement often utilized in personal injury cases, which allows individuals to access legal representation without having to pay upfront costs. In this arrangement, the attorney's fees are contingent, or dependent, on the outcome of the case. In other words, the attorney only gets paid if they successfully secure a settlement or court award for the client. This fee structure is particularly beneficial for individuals who might not have the financial means to afford legal representation otherwise.
In a contingency fee agreement, the attorney agrees to take on the client's case without charging any upfront fees or hourly rates. Instead, if the case is successful and results in a settlement or court judgment in the client's favor, the attorney receives a percentage of the total amount awarded. This percentage typically ranges from around 30% to 40%, though the exact percentage can vary based on the attorney's experience, the complexity of the case, and jurisdictional regulations.
If the case is not successful, meaning that the client does not receive any compensation, the attorney does not collect a fee. This arrangement aligns the attorney's interests with the client's; the attorney has a vested interest in achieving the best possible outcome since their payment is tied to the success of the case.
Contingency fees enable individuals who have suffered injuries due to the negligence of others to pursue legal action without worrying about the immediate financial burden of attorney fees. This level of accessibility to legal representation ensures that justice is attainable for a broader range of people, regardless of their financial circumstances. Moreover, it allows individuals to hold responsible parties accountable for their actions and seek compensation for medical bills, lost wages, pain and suffering, and other damages incurred as a result of the injury.
It's important for clients to thoroughly discuss the contingency fee arrangement with their chosen attorney before proceeding. Clients should understand the percentage of the award that will go towards attorney fees and inquire about any additional costs or expenses that might arise during the course of the case. This transparency helps clients make informed decisions about their legal representation.
In summary, a contingency fee arrangement in personal injury cases provides a practical and accessible way for individuals to seek justice and compensation for their injuries. By eliminating upfront costs and tying attorney fees to the successful outcome of the case, this fee structure ensures that legal representation is available to those who might otherwise be unable to afford it. It empowers individuals to navigate the complex legal system, stand up against negligence, and recover damages that can aid in their recovery and financial stability.
Workers' compensation is a system designed to provide medical care and financial support to employees who are injured or become ill due to their job-related duties. In the state of Georgia, as in many other states in the United States, workers' compensation is a crucial aspect of employee protection and employer liability. Here's a comprehensive explanation of workers' compensation in Georgia:
- Coverage and Eligibility: In Georgia, nearly all employers with three or more employees are required to have workers' compensation insurance. This includes full-time, part-time, and temporary workers. Certain agricultural and domestic workers, as well as independent contractors, may be exempt from this requirement. Employees are generally eligible for workers' compensation benefits from the first day of their employment.
- Benefits Provided: Workers' compensation benefits in Georgia generally cover three main areas:
- Medical Benefits: Injured employees are entitled to receive necessary medical treatment, including doctor visits, hospitalization, medications, and other medically necessary services related to their work-related injury or illness.
- Income Benefits: If the injury prevents the employee from working for more than seven days, they may be entitled to temporary total disability (TTD) benefits. These benefits provide a portion of their average weekly wage (typically around two-thirds) to compensate for lost income. The maximum weekly benefit amount is capped by state law.
- Permanent Partial Disability (PPD) Benefits: If the injury results in a permanent impairment but the employee can still work, they may be eligible for PPD benefits. The amount of these benefits is determined based on the extent of impairment and the employee's average weekly wage.
- Reporting and Filing a Claim: Injured employees must report the injury to their employer as soon as possible, ideally within 30 days of the incident. Employers are then responsible for reporting the injury to their workers' compensation insurance company and the Georgia State Board of Workers' Compensation. The injured employee should also seek medical treatment promptly.
- Dispute Resolution: Disagreements between employees and employers or insurance companies about the benefits or coverage can arise. In Georgia, the State Board of Workers' Compensation oversees dispute resolution. The process typically involves mediation, hearings, and potential appeals. It's advisable for both parties to seek legal counsel during these proceedings.
- Statute of Limitations: In Georgia, there's a statute of limitations for filing workers' compensation claims. Generally, an injured employee has one year from the date of the injury to file a claim. However, there are exceptions to this rule, such as cases involving occupational diseases where the one-year period starts when the employee becomes aware of the disease.
- Retaliation Protections: Employers are prohibited from retaliating against employees for filing workers' compensation claims. This means that employees have legal protection against being fired, demoted, or otherwise mistreated for pursuing their rightful benefits.
- Death Benefits: If a work-related injury or illness leads to an employee's death, their dependents may be entitled to death benefits. These benefits typically include a percentage of the employee's average weekly wage and funeral expenses.
It's important to note that workers' compensation laws can be complex and vary by state. This explanation provides a general overview of workers' compensation in Georgia. Rarely do we see a Workers Compensation case where the client would not have been much better off with an attorney.
Finding a competent and trustworthy personal injury attorney is crucial if you're facing a situation that requires legal representation. However, it's essential to note that I am not an attorney and this information is not legal advice. Here are some factors to consider:
Experience and Specialization
- Specialization: You'll want an attorney who specializes in personal injury law, rather than a general practitioner who handles various types of cases.
- Relevant Experience: Make sure they have experience with your specific type of injury. Laws and regulations can vary considerably.
- Trial Experience: While most personal injury cases are settled out of court, some do go to trial. Make sure your attorney has successful trial experience.
Reputation
- References: Ask for and check references, especially from other clients who had similar cases.
- Online Reviews: Websites like Avvo, Martindale-Hubbell, and Google reviews can provide information about an attorney's reputation.
- Disciplinary Record: Check your state’s bar association website to see if the attorney has any disciplinary actions against them.
- Professional Memberships: Membership in professional organizations, like the American Association for Justice, can indicate a commitment to quality and ethics.
Personal Qualities
- Compatibility: You'll be working closely with this person, so it's crucial that you feel comfortable with them.
- Communication Skills: Effective communication is key. Does the attorney explain things clearly? Do they respond to your queries promptly?
- Availability: Consider the attorney’s current caseload and whether they have time to give your case the attention it deserves.
Financial Arrangements
- Contingency Fee: Most personal injury lawyers work on a contingency basis, meaning they only get paid if you win.
- Cost Transparency: Make sure you understand any fees or expenses you might be responsible for.
- Free Consultation: Many attorneys offer a free initial consultation. Use this time to assess the attorney's suitability for your case.
Track Record
- Previous Settlements and Judgments: Though past performance doesn't guarantee future outcomes, a history of substantial settlements or awards could be a positive sign.
- Negotiation Skills: Most personal injury cases are resolved through settlement. Strong negotiation skills are a must.
Other Factors
- Local Knowledge: An attorney familiar with the local court system and other local attorneys can sometimes be beneficial.
- Resources: Make sure they have the resources needed to prepare and present your case effectively, including support staff, investigators, and expert witnesses if needed.
- Second Opinion: Don't hesitate to seek a second opinion, especially for complex or high-stakes cases.
Take the time to consult with multiple attorneys and ask lots of questions to ensure you’re making an informed decision.
At Lookout Law we encourage you to ask any or all of these questions. We are led by a litigator who has been trying cases in Georgia for over 20 years.
Yes you can bring a claim for whiplash in Georgia!
Whiplash is a term commonly used to describe a range of neck injuries that occur as a result of a sudden, forceful movement of the head, often forward and backward or side to side. This type of injury is most commonly associated with motor vehicle accidents, particularly rear-end collisions, but it can also result from physical abuse, sports injuries, or other types of traumas that involve a sudden jolt to the head and neck.
The sudden motion can cause the muscles, ligaments, and tendons in the neck to stretch or tear, leading to symptoms such as:
- Neck pain
- Stiffness in the neck
- Headache, usually at the base of the skull
- Dizziness
- Blurred vision
- Fatigue
- Difficulty concentrating
- Less commonly, issues like tinnitus (ringing in the ears), memory issues, and sleep disturbances may also occur.
The severity of whiplash injuries can vary widely, from mild discomfort that resolves in a few days, to chronic conditions that result in severe pain and disability. Treatment for whiplash may include pain management (often with over-the-counter pain relievers), physical therapy, and sometimes the use of a neck brace to support the injured area.
A good lawyer will usually not describe these injuries as whiplash for fear that it will undermine the seriousness of a client’s claim. Instead, a good claim relies on the solid medical description of the actual injuries, which may be sprains or strains or other injuries.
In the personal injury context, “catastrophic” is merely a descriptor of the severity of an injury and the severity of its impact on the injured person’s life.
In the Georgia workers compensation context, it is a defined statutory term.
Generally speaking, the term "catastrophic injury" in the context of Georgia's workers' compensation law typically refers to an injury that is extremely serious and prevents the injured worker from returning to work in any capacity. Catastrophic injuries often require long-term medical care and may result in permanent disability.
In Georgia, the Workers' Compensation Act defines certain types of injuries as catastrophic. These can include but are not necessarily limited to:
- Spinal cord injuries involving paralysis
- Amputations
- Severe head injuries
- Severe burns
- Blindness
When an injury is categorized as catastrophic, the injured worker may be entitled to additional benefits compared to a non-catastrophic injury. These benefits might include lifetime medical benefits for treatment related to the injury, extended wage loss benefits, and potentially more extensive rehabilitation services including vocational training.
Georgia, minors (children under the age of 18) generally cannot file an injury claim themselves. They need a guardian or parent to file the claim on their behalf. The claim is then brought in the same manner as any other injury claim.
However, settlements for minors exceeding a certain amount must be approved by the probate court or the trial court in which the case is pending. The court will often require that all of the money be put in a trust and/or conservator arrangement so that the money is only spent on the child.
One ethical quandaries for Georgia lawyers is what happens when a parent wants to settle for an amount under the approval threshold so that he/she can be given the money instead of having it placed in conservatorship. What if the lawyer knows the case is worth three times the amount?
These are cases where a good honest lawyer can mean everything.
Georgia law on dog bites is primarily governed by the "One Bite Rule" and by certain state statutes, such as O.C.G.A. § 51-2-7 (the Georgia Code, Title 51, Chapter 2, Section 7), which provides guidance for when an owner may be liable for damages caused by a dog. Keep in mind that laws and legal interpretations can change over time, and it is essential to consult with an attorney for the most current information.
One Bite Rule
Georgia follows the "One Bite Rule," which means that the owner is generally not liable for injuries caused by the dog unless:
- The dog has a history of dangerous or violent behavior ("vicious propensity"), or
- The owner had knowledge of such tendencies.
In practical terms, if the dog has bitten someone before or has displayed aggressive behavior, the owner may be held liable for subsequent bites or attacks.
O.C.G.A. § 51-2-7
Georgia statute O.C.G.A. § 51-2-7 lays out additional scenarios where an owner can be held liable for injuries caused by their dog. According to this statute, a dog owner may be liable if:
- The animal is vicious or dangerous, and
- The owner was careless in managing the animal or allowed it to go "at liberty" (loose), and
- The injured person did not provoke the animal into attacking.
Leash Laws and Local Ordinances
Local ordinances and county laws can also have specific requirements for dog ownership, including leash laws. Failure to comply with local laws, like keeping the dog on a leash in a public place, can serve as evidence of the owner's negligence if the dog attacks someone.
Defenses
Common defenses against liability for dog bites can include:
- Provocation: The owner may not be liable if the injured person provoked the dog.
- Trespassing: The owner may not be liable if the injured person was trespassing at the time of the attack.
- Knowledge or Warning: Posting a "Beware of Dog" sign can sometimes limit the owner's liability, especially if the injured person disregarded the warning.
Damages
If found liable, a dog owner may be responsible for various types of damages, including but not limited to:
- Medical expenses
- Pain and suffering
- Lost wages
- Property damage
Of course, like all suits, there must be insurance or serious wealth to go after. Many insurers in recent years have included provisions in homeowners’ and renters insurance that excludes coverage for a list of aggressive breeds. If you are bitten by a pit bull for instance, there may be a good chance the homeowners insurance will deny coverage. At Lookout Law, we have found legal strategies to challenge these tactics.
Car Accidents
1. Ensure Safety: The first priority is safety. Check yourself and others for injuries and call for medical assistance if needed.
2. Notify Authorities: If the accident involves a vehicle, contact the police to report the incident. Having an official report can be valuable later on. While a person at the scene may admit fault, without that memorialized in a police report, you might find that story changes over time. Always call the police.
3. Gather Information: Collect as much information as possible about the accident. This might include the names, contact information, and insurance details of involved parties, as well as the names and badge numbers of responding officers.
4. Take Photos: If it's safe to do so, take photos of the accident scene, the vehicles (if applicable), injuries, and any relevant road conditions. Visual documentation can be crucial later on.
5. Identify Witnesses: If there were any witnesses to the accident, try to get their names and contact information. Their statements might be useful in establishing what happened.
6. Do Not Admit Fault: Avoid admitting fault or discussing the accident in detail with others at the scene. Stick to the facts when talking to the police and others.
7. Seek Medical Attention: Even if you don't think your injuries are severe, it's advisable to get medical attention. Some injuries might not be immediately apparent, and having medical records can be important for your case. Some serious injuries don’t reveal themselves until days or sometimes weeks after the accident. However, the late diagnosis of those injuries is much more believable when you have been seeking treatment since the very beginning.
8. Preserve Evidence: Keep any physical evidence related to the accident, such as damaged clothing or personal items. Also, keep copies of any medical records, bills, and expenses.
9. Contact Insurance Company: Report the accident to your insurance company as soon as possible. Provide accurate information but avoid giving recorded statements without consulting legal advice.
10. Document Everything: Keep a detailed record of your injuries, medical treatments, pain levels, missed workdays, and any other impacts the accident has had on your life.
11. Consult us at Lookout Law: If the accident involves significant injuries or damages, we can provide legal guidance, protect your rights, and help you understand your options.
NEVER SIGN ANY DOCUMENTS OR CASH ANY INSURANCE CHECKS AFTER AN ACCIDENT UNTIL YOU HAVE SPOKEN WITH AN ATTORNEY AT LOOKOUT LAW.
Proving fault in a car accident generally involves gathering evidence that demonstrates the other driver's negligence or recklessness. In Georgia, fault is determined based on negligence principles, specifically comparative negligence. This means you have to show the other driver(s) acted in a manner less reasonable than you did and caused the accident and injuries.
At Lookout Law, attorney Shawn Richardson has proved negligence in a wide variety of interesting scenarios over the last two plus decades. He has even had cases where the negligent party was the one who got rear-ended!
A "hit and run" accident refers to a collision in which one driver involved in the crash leaves the scene without identifying themselves, offering aid to injured parties, or providing the necessary insurance information to the other parties involved. Laws governing hit and run incidents vary by jurisdiction, but typically drivers involved in an accident are required to stop, provide identification, and sometimes assist in obtaining medical aid if necessary.
Leaving the scene of an accident is generally considered a criminal offense and can result in various penalties including fines, loss of driver's license, and even imprisonment, especially if the incident resulted in injury or death. The severity of penalties often depends on the extent of the damages or injuries caused by the accident.
Victims of hit and run accidents can face numerous challenges including physical, emotional, and financial stress. Insurance claims may also become complicated if the offending driver is not identified.
In Georgia, if the defendant who caused the crash hits and runs, the plaintiff will have a claim for punitive damages (provided the defendant can be found and sued). It is important to note that you cannot bring punitive damage claims against your Uninsured Motorist carrier.
Insurance
An insurance adjuster is responsible for evaluating insurance claims to determine the appropriate compensation for policyholders or claimants who have experienced a loss or damage covered by their insurance policy. They investigate the claim, assess the extent of the loss, analyze the policy coverage, negotiate settlements, maintain documentation, communicate with stakeholders, and facilitate the settlement process. In more complex cases, they may also provide support during litigation.
However, the adjuster is not a lawyer. You should never rely on what an adjuster says about the law. You should never expect an adjuster to have the ability to evaluate a claim as well as a lawyer. At the end of the day, your case value is based upon “what a jury might do.” Adjusters have never tried a case before a jury. Accordingly, it seems a little odd that adjusters would have ever driven insurance companies’ “value” determinations on claims.
In recent years the judgment of the adjuster has slowly been replaced with computer driven assessments that determine settlement offers. While this may seem more fitting, one must remember that you can’t change a computer’s mind on something like you may have been able to do with the “human” adjuster.
The simple answer is NO! As the senior attorney at Lookout Law I can say I have never seen an insurer make its best offer first, not in 22 years of practice.
Insurance in many ways is the most simple business in the world. It is about collecting premiums in an amount greater than you pay out in claims and administration costs. It is an old fashioned margins business at the end of the day.
Insurance companies never want to pay a dime more than what you would have taken. I cannot tell you how many mediations I’ve had where the final offer was not made util the adjuster saw the claimant prepared to leave the proceeding.
Never take the first offer.
UM coverage, short for "Uninsured Motorist" coverage, is a type of insurance coverage that provides protection to you, the policyholder, if you are involved in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover the damages and medical expenses resulting from the accident.
In Georgia UM insurance is optional. IIn some jurisdictions, auto insurance is mandatory, but there are still instances where drivers either don't have insurance or carry insufficient coverage. If you're involved in an accident with one of these drivers and they are at fault, you might face difficulties in receiving compensation for your medical bills, property damage, and other expenses.
This is where UM coverage comes into play. If you have UM coverage as part of your auto insurance policy, your own insurance company will step in to cover the costs that the uninsured or underinsured driver would have been responsible for, up to the limits specified in your policy. UM coverage essentially acts as a safety net to help you avoid financial hardships when you're in an accident caused by someone without adequate insurance.
UM coverage might also include variations like Underinsured Motorist coverage, which specifically covers situations where the at-fault driver's insurance is not enough to cover all the expenses incurred due to the accident.
In Georgia, there are special deadlines that must be met to preserve UM coverage after an accident. The first is the policy’s own notice provision. In Georgia the insurer can avoid coverage in cases where the insured did not notify the insurer of the accident until after the time specified in the policy. Additionally, the UM carrier must be served separately with any lawsuit brought against the at fault party. UM is a layer of insurance that is often lost and inaccessible to people who choose to represent themselves. For those with under-insired motorist coverage, it is super important to consult a lawyer before settling or taking any money from an at fault party’s liability insurer. Generally releasing a defendant and his liability insurer will result in the inability to access additional coverage afforded by your UIM policy. A good lawyer will make sure you enter a release that allows you to continue pursuing other insurance.
In the insurance industry, the term "bad faith" refers to unfair or dishonest practices by an insurance company. Insurance companies are expected to act in "good faith" when dealing with their policyholders, meaning they should handle claims promptly, fairly, and honestly, in accordance with the terms of the policy and the law.
Bad faith actions by an insurance company could include, but are not limited to:
- Denying a Claim Without Reason: Failing to provide a reasonable basis for denying a claim.
- Delay in Processing: Unreasonably delaying the investigation or processing of a claim.
- Lowballing: Offering less money than what is reasonably due under the policy.
- Failure to Communicate: Failing to respond promptly to the policyholder's inquiries or to provide explanations for claim denials or delays.
- Misrepresentation: Misrepresenting policy terms, conditions, or benefits to avoid paying claims.
- Failure to Defend: If the policy includes a duty to defend (common in liability policies), failing to provide a legal defense for the insured party when they are sued under conditions covered by the policy.
- Forcing to Litigate: Compelling the insured to initiate a lawsuit by offering substantially less than what is reasonably due, to get what they are entitled to under the policy.
If an individual or entity believes they are the victim of bad faith insurance practices, they may have the option to file a bad faith claim or lawsuit against the insurance company. Successful bad faith claims can result in the policyholder receiving the benefits originally owed, as well as additional damages in some cases, which can sometimes include punitive damages meant to punish the insurance company for its conduct.
For example, if a client loses their foot in an auto accident caused by Jane Doe, who only has $25k in insurance, and the client makes a legally compliant policy limits demand that is not timely paid by Jane Doe’s insurer, Jane Doe would have a bad faith claim against her insurer.
"Maximum Medical Improvement" (MMI) is a term commonly used in workers' compensation cases, personal injury cases, and disability claims. MMI refers to the point at which an injured person's medical condition has stabilized and is unlikely to improve substantially with additional treatment. Essentially, it means you have recovered as much as you're going to recover from your injuries.
In Georgia, like in many other U.S. states, reaching MMI can be an important milestone in a workers' compensation case. It can affect various aspects of your case, including:
- Disability Rating: Once you reach MMI, a physician might give you a disability rating, which can affect your entitlement to benefits.
- Settlement Discussions: Reaching MMI often prompts settlement discussions, as both parties have a clearer idea of the extent of the injuries and the long-term consequences.
- Changing Benefits: The types of benefits you're eligible for may change once you reach MMI. For example, you may transition from receiving temporary total disability benefits to permanent partial disability benefits, if applicable.
- Job Status: Depending on your medical condition at MMI, you may or may not be able to return to your previous line of work.
- Medical Treatment: After reaching MMI, you'll likely transition from receiving curative treatment to maintenance care, if ongoing treatment is needed.
You must remember that a court only gives you a piece of paper upon achieving a jury verdict in your favor for damages. You must be able to collect from the defendant on it. If a defendant is both uninsured and insolvent, you simply do not have a case of any value.
Even when the defendant is not completely insolvent but is uninsured, the defendant would have to have assets beyond what could be protected in bankruptcy in order to allow any ability for a plaintiff to collect.
At Lookout Law we pursue insurance–not people. It is important to understand that wealthy people are almost always heavily insured.