Frequently Asked Questions
Personal Injury FAQs: Answers for Injured Georgians
These personal injury FAQs answer the questions we hear most often from injured people across Atlanta and Georgia. We have organized them by practice area so that you can find guidance specific to your situation, along with a general section covering the questions that apply to nearly every case. If your question is not answered here, contact The McPhillip Firm for a free case evaluation.
General Personal Injury Questions
Seek medical care right away, even if you feel fine, since some serious injuries do not show symptoms for hours or days. Report the incident to the appropriate authority, avoid admitting fault, and preserve evidence like photos, video, and witness contact information. Then contact an attorney so preservation letters and an investigation can begin before evidence disappears.
Yes. Georgia follows a modified comparative negligence rule under O.C.G.A. § 51-12-33. You can recover damages as long as you are less than 50% at fault, though your compensation is reduced by your percentage of responsibility. If you are found 50% or more at fault, you cannot recover from the other party, which is why insurers work hard to shift blame onto you.
For most personal injury claims, the statute of limitations under O.C.G.A. § 9-3-33 is two years from the date of injury. Some situations shorten that window. Claims against a government entity can require an ante litem notice in as little as six months. Missing a deadline can permanently bar your claim, so act quickly.
We work on a contingency fee basis, so you pay no upfront fees, and we only collect if we recover compensation for you. We explain all costs clearly from the start, so there are no surprises.
Most personal injury cases settle before trial, but the strongest settlements come when the defense knows you are fully prepared to go to court. We prepare every case as if the trial starts tomorrow, which builds the leverage needed for a fair outcome.
Traumatic Brain Injury (TBI)
Brain injuries often do not appear on standard imaging, and symptoms like memory loss, mood changes, and difficulty concentrating can be dismissed as unrelated. Proving a TBI usually requires neurologists, neuropsychological testing, and testimony from people who knew you before the injury. Building that record early is critical.
Yes. Adrenaline can mask a brain injury at the scene, and symptoms may not surface for hours or days. Headaches, confusion, sensitivity to light, and sleep changes can all appear later. Prompt medical evaluation protects both your health and your claim.
Severe brain injuries can require a lifetime of care, including rehabilitation, cognitive therapy, assistive technology, and lost earning capacity. We work with life care planners to project these future costs. Learn more on our traumatic brain injury page.
Trucking & 18-Wheeler Collisions
Liability often extends beyond the driver. The trucking company, the cargo loader, a maintenance contractor, or the truck or parts manufacturer may all share responsibility. Identifying every liable party matters because it opens more sources of insurance coverage for a serious injury.
Commercial trucks are governed by Federal Motor Carrier Safety Administration (FMCSA) rules covering driver hours, vehicle maintenance, and cargo limits. Violations of these rules can be powerful evidence of negligence. We use FMCSA audits and records to build the case.
Trucking companies often begin their own investigations within hours, and critical evidence, such as black-box data, driver logs, and dashcam footage, can be lost or overwritten. Early legal action lets us send preservation letters and secure that evidence before it disappears.
Unsafe Premises & Falls
A property owner can be liable when they knew or should have known about a hazard and failed to fix it or warn you. The level of responsibility depends on why you were on the property. Customers and invited guests are owed the highest duty of care under Georgia law.
You generally must show that a dangerous condition existed, that the owner had notice of it, and that it caused your injury. Proving notice is often the hardest part. We use maintenance records, incident reports, and surveillance footage to establish how long the hazard existed.
Falls frequently cause fractures, spinal injuries, and traumatic brain injuries, especially for older adults. Even a fall that seems minor at first can lead to lasting harm, so prompt medical documentation is important for both recovery and your claim.
Insurance Coverage Disputes
Bad faith occurs when an insurer unreasonably denies, delays, or underpays a valid claim. Georgia law can hold insurers accountable for this conduct, sometimes with additional damages beyond the original claim. Learn more on our insurance coverage disputes page.
Yes, particularly in uninsured and underinsured motorist claims where your own policy is the source of recovery. When your insurer refuses to pay what your policy owes, we can pursue a breach of contract and bad faith claim to force a fair result.
Do not assume the denial is final. Insurers deny valid claims for many reasons, and a denial can often be overturned with the right evidence and pressure. We analyze the policy language and the reason for denial to challenge it directly.
Spinal Cord Injury
Spinal cord injuries create lifelong needs, so a claim may cover past and future medical care, lost income and earning capacity, home and vehicle modifications, and the loss of mobility and independence. Learn more on our spinal cord injury page.
A complete injury results in total loss of function below the level of injury, while an incomplete injury leaves some function or sensation. Both can be catastrophic and require careful medical documentation to project the full scope of future care and its cost.
The lifetime cost of a serious spinal cord injury can reach into the millions when factoring in ongoing care, equipment, and modifications. Settling before these costs are fully understood can leave you without the resources you will need for decades, which is why we build the case around long-term needs.
Medical Negligence
Medical negligence happens when a healthcare provider fails to meet the accepted standard of care, and that failure causes harm. Common examples include surgical errors, misdiagnosis, medication mistakes, and birth injuries. A poor outcome alone is not enough. There must be a departure from the standard of care.
Yes. Under O.C.G.A. § 9-11-9.1, you must file an expert affidavit with your complaint identifying at least one negligent act by the provider. Without it, the case can be dismissed. This requirement makes early expert involvement essential.
The general deadline is two years from the date of injury, but Georgia also has a five-year statute of repose under O.C.G.A. § 9-3-71 that can bar claims regardless of when the injury was discovered. Because these deadlines interact in complex ways, consult an attorney as soon as possible.
Serious Auto Injury
You may still recover through your own uninsured and underinsured motorist coverage under O.C.G.A. § 33-7-11. In some cases, coverage can be stacked across multiple policies to increase the funds available. We identify every policy that could apply to your crash.
Injuries like whiplash, concussions, and soft tissue damage can take hours or days to appear because adrenaline masks the pain. Seeing a doctor promptly creates a record linking your injuries to the crash and prevents insurers from arguing your injuries are unrelated.
Almost never. First offers are typically far below the true value of a claim and rarely account for future medical care or long-term effects. Once you sign a release, you cannot seek more, even if your injuries worsen. Have the offer reviewed before you accept anything.
Catastrophic Injury
A catastrophic injury causes permanent disability or severe, long-term functional loss requiring ongoing care. In Georgia Workers' Compensation, the term has a specific legal meaning and often includes paralysis, traumatic brain injury with lasting impairment, amputation, or severe burns. The designation can unlock lifetime wage and medical benefits.
Often, yes. Standard Workers' Compensation usually limits benefits to a set number of weeks, but a catastrophic designation may entitle an injured worker to lifetime wage benefits and medical care if the injury permanently prevents a return to work. Eligibility depends on the specific facts.
Liability depends on how the injury happened. It may involve a negligent driver, a property owner, a product manufacturer, an employer, or a medical provider. Because these cases involve enormous long-term costs, we pursue every liable party and every available source of coverage.
Motorcycle Accidents
Georgia has a universal helmet law under O.C.G.A. § 40-6-315 requiring all riders and passengers to wear a compliant helmet. If you were not wearing one, the defense may argue that it contributed to your injuries, which can reduce recovery under comparative fault. It does not automatically bar your claim.
Insurers and juries sometimes assume a rider was reckless simply because they were on a motorcycle. That bias can unfairly shift blame. We counter it with hard evidence, accident reconstruction, and a clear presentation of how the crash actually happened.
Motorcycle crashes often cause severe injuries, so claims may include medical expenses, lost income, diminished earning capacity, pain and suffering, and property damage. The more serious and lasting the injury, the more important it is to document the full long-term impact.
Pedestrian Accidents
Fault depends on who had the right of way and how each party behaved. Drivers owe pedestrians a duty of care, especially in crosswalks and intersections. Determining fault often requires witness statements, traffic camera footage, and sometimes accident reconstruction.
You may still recover. Under Georgia's modified comparative negligence rule (O.C.G.A. § 51-12-33), crossing outside a crosswalk may reduce your compensation by your share of fault, but it does not automatically bar a claim as long as you are less than 50% responsible.
Because pedestrians have no protection in a collision, injuries are often severe. Compensation may include medical bills, future care, lost wages, and pain and suffering. Where the driver's coverage is limited, we look for additional sources such as your own auto policy.
Wrongful Death
Under O.C.G.A. § 51-4-2, the surviving spouse has the primary right to file. If there is no spouse, the right passes to the children, then to the parents. If none survive, the estate's representative may file under O.C.G.A. § 51-4-5. Only the party with priority under the statute may bring the claim.
Georgia allows recovery for the full value of the life lost, measured from the decedent's perspective. This includes both economic value, like lost income and services, and intangible value, like the loss of experiences and relationships. It is a broader standard than many other states use.
The general deadline is two years from the date of death, which may differ from the date of the injury. Certain circumstances can pause or shorten this period. Because a related claim by the estate can follow a different timing, early legal guidance is important.
Related Resources
Still Have Questions? Talk to The McPhillip Firm
Every case is different, and these answers are general guidance, not legal advice for your specific situation. If you or someone you love has been injured in Georgia, we are ready to help you understand your rights and pursue the compensation you deserve. Contact The McPhillip Firm for a free, confidential case evaluation. Call +1 (866) TMF-WINS or reach out online. There is no obligation, and no fee unless we win.
The McPhillip Firm · 730 Peachtree Street NE, #570, Atlanta, GA 30308