A car accident can put your entire family in a financial bind. You may be too injured to work, while medical copayments and other bills are piling up.
One option may be disability benefits through your employer. If someone else was responsible for the accident that caused your injury, you may have more options.
In Georgia, the driver who caused the car accident is responsible for paying your damages, including medical bills, lost wages, pain and suffering, and other losses. Even if you were partially at fault, you still have the right to seek damages, as long as you were not more than 50 percent at fault.
Under Georgia law, you can seek recovery for both past and future lost wages. If you have suffered a permanent injury that affects your ability to work, you are entitled to seek compensation for loss of earning capacity. For example, if you can only work part time due to your injury, you are entitled to compensation for the loss of earning capacity.
Unfortunately, insurance companies do not pay damages as you incur them. Instead, they will write you a check after your case is resolved through a settlement or court verdict. Until your case is resolved, you will need to find another way to pay your bills.
If your employer offers disability benefits or you have coverage through a private plan, you can apply for those benefits. After you receive your money from the insurance company of the at-fault driver, you will have to repay the disability insurance provider through a process known as subrogation.
If you don't have disability benefits through your employer, you may be able to obtain a loan with a lien on your future personal injury recovery. An experienced personal injury attorney can help you explore your options. One thing you should not due to discontinue your medical treatment. If you discontinue treatment, the insurance company will assume you are no longer injured.
The law firm of Perrotta & Cahn, Attorneys at Law in Cartersville, Georgia, offers a free initial consultation to discuss lost wages and other damages resulting from a car accident.