You’re driving down a Georgia highway, minding your business when another driver’s negligence suddenly causes a collision. You’re injured, your car is damaged, and you’re left wondering what to do next. But amidst the confusion and frustration, another thought creeps in: “Will the points on my license affect my ability to seek compensation?”
It’s a valid concern. After all, points on your license indicate that you’ve had past driving infractions. But does that mean insurance companies or the courts will automatically assume you’re at fault in a new accident? The answer isn’t as straightforward as you might think.
Understanding the complexities
The relationship between points on your license and a car accident claim in Georgia involves nuanced legal and insurance considerations. It’s essential to be aware of these complexities to protect your rights and pursue fair compensation.
The role of fault in Georgia
Georgia operates under a “modified comparative negligence” system. This means that even if you are partially at fault for an accident, you can still recover damages as long as your fault is less than 50%. However, your compensation will be reduced in proportion to your degree of fault. So, while points on your license don’t automatically bar you from seeking compensation, they could be used to argue that you share some responsibility for the accident.
The insurance company’s perspective
Insurance companies are in the business of minimizing payouts. They may try to use your driving history, including points on your license, to paint you as a risky driver and offer you a lower settlement. However, it’s important to remember that points alone don’t tell the whole story. A skilled attorney can challenge any unfair assumptions and fight for your right to fair compensation.
Protecting your rights
While points on your license can complicate matters, they shouldn’t deter you from seeking the compensation you deserve after a car accident. If you’ve been injured due to another driver’s negligence, consulting with an experienced personal injury attorney is crucial. They can help you understand Georgia’s specific laws and regulations, gather evidence to support your claim and negotiate with insurance companies on your behalf.
Remember, even if your driving record isn’t perfect, you still have rights. Don’t let the fear of past mistakes prevent you from seeking justice and getting the compensation you need to recover from your injuries.