Yes, you be may out of luck. However, please review your own automobile insurance policy. If you have uninsured motorists insurance coverage (UM coverage), then you may have an avenue for recovery of compensation for your injuries. UM coverage, which is a type of coverage within certain automobile insurance policies, provides coverage for the insured where the insured has been injured by an uninsured driver who was at fault. UM coverage may also provide coverage for the insured when the at fault driver had minimum or insufficient liability coverage that will not be enough to compensate the insured for his injuries. Certain rules and time limits apply to making a claim under the UM provisions of your automobile policy, so please be sure to consult an attorney that is knowledgeable about this area of the law. Please contact Rumsey & Ramsey at (770) 394-9400 to discuss the facts of your case with a lawyer.

In Georgia, you can make a claim against the other diver as long as he/she was not a co-employee that was on the job at the time of the accident. As far as the workers’ compensation benefits you received, you do not have to pay them back if the sum of the workers’ compensation benefits you received plus the money you obtained from the at fault driver does not fully and completely compensate you for your injuries and damages. The workers’ compensation carrier or your employer will have to prove you have been fully and completely compensated before they can recover from your settlement any monies they paid in workers’ compensation benefits. Please consult an attorney on the specific facts of your case to make sure your rights are fully protected. Please contact Rumsey & Ramsey at (770) 394-9400 to discuss the facts of your case with a lawyer.

In general, in Georgia an employee receiving workers’ compensation benefits for a work related injury is barred from bringing a personal injury claim against his/her employer for the same injuries. However, please consult an attorney to discuss the specific facts of your case. Please contact Rumsey & Ramsey at (770) 394-9400 to discuss the facts of your case with a lawyer.

In general, exchange insurance information with the other driver, take photographs of the vehicles in the accident and the place where the collision occured, and obtain a copy of the police report and the names and addresses of any witnesses to the collision. After you have obtained the above information and had the chance to seek medical attention for your injuries, make an appointment to see an attorney who can advise you on your rights. The closer in time to the accident that you retain an attorney gives the attorney a greater opportunity to make sure that key evidence is obtained and secured for future use, and to speak on your behalf to the insurance company for the wrongdoer. Please contact Rumsey & Ramsey at (770) 394-9400 to discuss the facts of your case with a lawyer.

Depending on the facts in your case, generally a person can recover past and future lost income, past and future medical expenses, past and future pain and suffering, permanent disabilities, and permanent disfigurement. If you are the spouse of a person that has been injured as the result of the wrongdoing of others, you may be entitled to loss of consortium damages. Please contact Rumsey & Ramsey at (770) 394-9400 to discuss the facts of your case with a lawyer.