$125,000 Policy Limit Settlement for Car Accident Victim Using Stackable Policies

Case Summary:

Our client was driving down Flat Shoals Road in Decatur, GA when the at-fault driver slammed into the front driver’s side of her car, flipping our client’s car. While luckily, our client had no broken bones, she sustained serious soft tissue injuries and was taken directly to the hospital by ambulance. Our client went through extensive treatment following her roll-over accident which resulted in over $80,000 in medical bills.

The Result:

Shortly after The Champion Firm team took on the case, we were able to get the full policy limits of $25,000 from the liability insurer’s policy. However, we do not stop until we get the best possible result for our client and Attorney Andrienne McKay looked to our client’s underinsured motorist insurance for additional coverage. After analysis, we discovered she had two vehicles on the policy with a $50,000 policy each. Due to our understanding of complex stackable policy laws, we were able to get all available UM resulting in a settlement for the full policy limits of of $125,000. Despite the accident occurring during 2020, The Champion Firm was able to overcome all challenges due to the pandemic and settled the case in six months.

How Stackable Policies Work:

Georgia law requires all automobile policies to include what is called uninsured motorist coverage unless it is specifically rejected at the time of purchase. When choosing a Personal Injury Attorney to represent you after an accident, it is vital you choose someone that understands stackable policies and uninsured motorist coverage.

What does this look like? Let’s say, for example, that your total damages—medical bills, lost wages, and pain and suffering—add up to $100,000, but the at-fault driver’s policy only had $25,000 available for bodily injury damages. In this case, you could get $25,000 from the negligent driver’s insurance company, but the insurance company would not have to pay the rest of your damages. So what can you do?

Fortunately, there are actually multiple avenues available to victims of car wrecks in Georgia. The other driver’s liability insurance is not the only option. Depending on your coverage and the circumstances of the crash, you might be able to get payment from:

Uninsured/under-insured (UM) motorist insurance
Medical payments coverage (commonly known as “med pay”)
Health insurance
Collision insurance

We go through each of these payment options and how they might apply to a client’s personal situation. Have you been in a car accident? We can help! Contact us today for a FREE case consultation.