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Liability Insurance 101: What You Need to Know

Feb 06, 2019

You were simply driving to work one morning when — Bam! — you were hit out of nowhere. It was the other driver’s fault, and you thought you were fine. You simply did what you’re supposed to do after an auto collision and moved on with your day.

As you sit at your desk at work, though, you begin to notice that you’re actually not fine. Your muscles are sore and tender, and as you get up to walk, you know your body is injured. So, what next?

After meeting with a doctor, you should visit a personal injury firm that can represent your case. Your personal injury claim should get the other driver’s liability insurance to pay for your medical bills and more. In today’s blog, we’ll explain just what liability insurance is, how it will work, and why you should always work with a personal injury lawyer. If you’re looking for a personal injury firm in Atlanta, you can count on The Fairell Firm. We’re located in Tucker and have an excellent reputation for helping clients with accident claims and recovering from their personal injury. Contact us today .

What is liability insurance?

Liability insurance is simply the policy of the person responsible for the accident. Here at The Fairell Firm and other personal injury firms, you may hear about individual or personal policies and commercial policies.

An individual or personal policy is just that — someone’s personal liability insurance. A commercial policy is the liability of a company, such as UPS or your local flower delivery shop.

What does liability insurance cover?

The best personal injury lawyers will ensure that the other driver’s liability insurance covers anything you experience as a result of the accident, such as:

  • Medical bills – Any bills you face as a direct result of the auto collision
  • Pain and suffering – Emotional or physical pain you experience due to the auto collision
  • Damages to your car – Anything on your car that needs to be repaired because of the accident
  • Damages to items inside your car – If your phone, for example, were in the car and broke because of the accident
  • Lost wages – Any time you spent away from work because of the accident can be compensated

Work With Our Personal Injury Firm In Atlanta Today

Your personal injury claim deserves to be taken seriously — and that’s unlikely if you don’t have an experienced injury lawyer on your side. Fighting insurance companies on your own is difficult, time-consuming, and may not get your desired results. Instead, work with an established personal injury firm who has experience with cases like yours and experience working with insurance companies.

Be sure to check out all of our resources to help you in this process, including our personal injury checklist , why and when to hire a personal injury lawyer , how social media can hurt your case , and questions to ask your personal injury lawyer . If you’re in need of a personal injury firm in Atlanta, don’t hesitate to contact The Fairell Firm today .

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