If you are a Georgia driver hurt by an un-insured automobile, truck or motorcycle driver or if the at-fault accident insurance coverage is too small to fully cover your medical bills or injuries, you might still be insured. But only if your policy provides UM coverage, also known as un-insured or underinsured motorist coverage.

So if you are injured by an under or uninsured driver, present your claim to your UM motor vehicle insurance carrier. If your insurance company will not pay and a lawsuit becomes necessary (and you have purchased UM coverage), follow the steps found in Georgia statute O.C.G.A. 33-7-11 to recover additional money for your injury claim (pain and suffering), medical bills, lost wages, and other damages.

First, when the other driver is sued, serve a copy of that lawsuit on your own insurance company. Second, prove the other driver to be at fault (this could take a trial); and third, demand that your UM insurance carrier pay the legal judgment or verdict.

Whether you drive an SUV or pickup-truck, motorcycle or automobile in metro Atlanta or anywhere else in Georgia, you are eligible to buy UM coverage as a part of your Georgia auto insurance policy to fully protect yourself. Given the number of underinsured and uninsured drivers on the roads and highways of Georgia, this is a good idea.

The law surrounding UM coverage in Georgia is complex. If you have suffered pain or personal injury caused by the wrongful action, negligence, or fault of another driver, you need a Georgia personal injury lawfirm that fully understands insurance law. The attorneys at Millar & Mixon, LLC, can determine if UM coverage is possible in your legal claim.

Posted by Kristen Pitts, Esq., attorney in the Atlanta personal injury law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a trial law firm committed to protecting the interests of Georgia’s injured.

Millar & Mixon, LLC, was founded in 1993. Our lawyers offer skilled representation regarding insurance matters and motor vehicle crashes to all of our clients. Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation. Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

As many of our readers know, when a person applies for accident liability insurance for their car, motorcycle, or truck in Atlanta, or elsewhere in Georgia, they will have to complete an application for the insurance company. The application will then be reviewed to determine if insurance can be provided, and how much it will cost. Georgia regulates the insurance industry through a series of statutes beginning with O.C.G.A. 33-23-1.

If incorrect information is given to the insurance company by the applicant, then the insurance policy could be voided, and there will be no coverage in case of an accident.

To avoid this and having to deal with the insurance company’s lawyers, follow the Golden Rule by being honest when completing an application for Georgia personal injury accident insurance.

If you were struck by a car whose driver was given a ticket by the police, only to be told by the adjuster that the driver’s insurance had been canceled, don’t accept that denial of liability. You need lawyers to get to the truth.

The attorneys at the trial law firm of Millar & Mixon, LLC, can give you the professional representation you need to be sure your rights are fully protected. Their lawyer’s use of experts such as investigators who specialize in the investigation of car, motorcycle, and truck accidents provides excellent results. The attorneys at Millar & Mixon, LLC, have many years of experience representing clients who were injured in accidents caused by the fault or negligence of others.

Posted by Joshua Madsen, Esq., an attorney in the Atlanta, Georgia, personal injury law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm that uses specialized experts to maximize the outcome for their clients. Millar & Mixon, LLC, is dedicated to protecting the interests of people hurt or injured in Georgia. Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation. Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

Want to change insurance companies or cancel your policy? You may be owed a refund! Whether you live in Atlanta or some other part of Georgia, regardless of whether your vehicle is an auto, motorcycle, or truck, if you want to cancel or change your accident insurance policy, you might be entitled to a refund of some of your premium.

If you switch from one insurance company to another, say for a lower premium, then you are entitled to a refund of the premium that was paid but not yet earned by the insurance company. For example, if a woman pays her $400 premium in advance for her six month policy, but cancels it after three months, then she could be entitled to a refund of $200, half of her premium.

Insurance companies, through their lawyers and adjusters, are always trying to maximize company profits, all too often at the expense of the individual, especially if you are personally injured in an auto accident that was not your fault.

If you or someone you know has been hurt or injured in an auto, motorcycle, or truck accident caused by the fault or negligence of another driver, the attorneys at Millar & Mixon, LLC, can help you.

Posted by Liandra Marchan, Esq., attorney in the Atlanta trial law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm dedicated to protecting the interests of Georgia’s injured. Whenever necessary the injury attorneys at Millar & Mixon, LLC, will use experts specialized in the area of law that fits your case, such as private investigators, traffic engineers, biomechanical experts and other specialists! Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

Before a car, motorcycle, or truck accident insurance policy can be canceled in Georgia, the insurance company must jump through the six hoops established by O.C.G.A. 33-24-44 and O.C.G.A. 33-24-45.

The cancellation must be in writing; explicit; delivered by hand or sent by first class mail to the person’s last known address; give the reason for the cancellation per O.C.G.A. 33-24-45; and provide notice of eligibility for insurance through a state-sponsored plan, pursuant to O.C.G.A. 33-24-45, unless cancellation is for failure to pay premiums.

If a cancellation notice is received, check to be sure the insurance company has jumped through each of the six hoops.

One way insurance companies get out of paying claims is to deny there was coverage for the accident. This is a common tactic used by claims adjusters to deny claims they should pay to people hurt or injured in car, motorcycle, or truck accidents.

What if the insurance company tells me the at-fault driver’s insurance policy has cancelled? Don’t give up!

If you’ve been hurt or injured in an auto, motorcycle, or truck accident caused by the fault or negligence of another driver, and that driver’s insurance company says his insurance was cancelled before the accident, call an attorney. The attorneys at Millar & Mixon, LLC, can determine if that is true and whether the law was followed. Never take the word of the adjuster! If the insurance company did not properly and lawfully cancel the policy, there may still be coverage.

Posted by Kristen Pitts, Esq., attorney in the Atlanta trial law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm dedicated to protecting the interests of Georgia’s injured. If you’re hit or hurt by a drunk driver (DUI), Millar & Mixon, LLC can help. We will investigate and use experts specialized in that area of law, such as accident reconstruction experts or forensic toxicologists for your case! Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now

When your car, motorcycle, or truck accident insurance policy in Georgia is about to expire, be sure that the five steps identified in Georgia statute O.C.G.A. 33-24-45 are taken to maintain coverage.

First, the accident insurance company must notify you in writing before the policy expires that coverage will be renewed.

Second, you must notify the insurance company of your decision to renew the policy with them.

Third, the insurance company must deliver the policy to you.

Fourth, check the policy to be sure it contains the minimum amount of coverage required by Georgia law, and is for at least a six month period.

Fifth, pay the insurance premium within the time provided by the insurance company, otherwise your coverage could end.

The Georgia personal injury attorneys at the trial law firm of Millar & Mixon, LLC, can give you the representation you need to be sure your rights are fully protected. The injury lawyers at Millar & Mixon know Georgia insurance law! Our attorneys carefully investigate each car, motorcycle, and truck accident case and we routinely use specialists such as accident reconstruction experts to help us achieve excellent results. The attorneys at Millar & Mixon, LLC, have two decades of experience representing clients who were injured in accidents caused by the fault or negligence of others.

Posted by Bruce Millar, Esq., an attorney in the Atlanta trial law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm that uses experts and specialists to obtain the best outcome for their clients. Millar & Mixon, LLC, is dedicated to protecting the interests of Georgia’s injured. Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney.

Georgia law requires a minimum amount of insurance coverage for your insurance policy if you are to drive your car, motorcycle, or truck on the roads and streets of the state. Do you know the magic numbers? You should to be sure the car insurance you bought is legally effective. The answers are found at O.C.G.A. 33-34-3.

In the Georgia insurance law, your minimum automobile coverage must be $25,000 for liability for bodily injury or death to one person in any one accident; $50,000 for bodily injury or death to two or more persons in any one accident; and $25,000 for damage to or destruction of property. And, there are additional requirements.  For example, the policy must cover at a minimum a six month period.

So the next time you buy car / auto, motorcycle, or truck insurance, be sure that the policy satisfies all parts of the law to be sure you are fully protected. This is especially important if you are hurt or injured in an accident caused by the fault or negligence of another driver.

The attorneys  at  Millar & Mixon, LLC, can give you the representation you need to be sure your rights are fully protected. Our practice is dedicated to car, truck and motorcycle accident and injury law.  We take pride in knowing the details of Georgia’s complex insurance law and helping our clients receive the maximum recovery from insurance companies.

Posted by Joshua Madsen, Esq., attorney in the Atlanta accident and personal injury law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, are personal injury attorneys dedicated to protecting the interests of Georgia’s injured. Founded in 1993, our firm works closely with medical providers, accident reconstruction experts and other specialists to provide  zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

Are you an of out-of-state driver who traveled through Atlanta, Georgia, on your way to a vacation destination or to visit family or friends, only to suffer a personal injury in a car, truck or motorcycle accident caused by another driver? If so, you will need to know how your car or motorcycle insurance policy will be treated by Georgia courts.

The first thing the Georgia court must decide is whether your home state’s laws or Georgia laws should be applied to the auto accident. Then, the Georgia court must apply that law to the facts of your accident. These are two important issues that could decide the outcome of your case. For example, the Georgia Court of Appeals ruled in O’Neal v. State Farm Mutual Auto. Ins. Co. that Tennessee law applied and on that basis threw O’Neal’s auto accident case out of court.

Fortunately, we attorneys here at the trial law firm of Millar & Mixon, LLC, can give you the representation you need to be sure your rights are fully protected, as an out-of-state driver. As trial attorneys with almost two decades of experience representing clients who were injured in accidents caused by the fault or negligence of others, we have handled many cases just like yours.

Posted by Linda Marchan, Esq., attorney in the Atlanta trial law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm dedicated to protecting the interests of Georgia’s injured. Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

Some personal injury attorneys speak to their clients in “legalese”; you know what we mean: the special words and phrases used in the practice of law by some attorneys to impress their clients. At Millar & Mixon, LLC, we don’t do that to our clients. We are a car, truck and motorcycle injury law firm in Atlanta, Georgia, dedicated to helping all of our clients — not just with words, but with results.You might be surprised to learn that insurance agents also use their own form of “leagalese” when selling your policy.  For example, agents love to tell people that the policy includes “full coverage.” What is that?  There is no legal definition of “full coverage.”   Anything the insurance agent tells you about your policy is not included in your coverage unless it is in writing in the insurance policy. This is because Georgia law requires that everything covered by the insurance be written in the policy itself.  The Georgia Court of Appeals discussed this issue in a case called Wilder v. Jefferson Ins. Co. of New York.

So, while many automobile insurance agents tell their policy holders that they have “full coverage,” many of our clients who have not read the policy are in for a nasty shock! (You may not be covered if the at-fault driver is un-insured or underinsured).  What is not actually covered may be vastly be different from what the insurance sales person told you.  So remember, the next time you hear someone talk about the “four corners” of your insurance policy, he simply means the document itself, regardless of the number of pages it has or what the insurance company has told you it says. Knowing what is—-and is not–in your car insurance policy is the key to knowing what is actually covered.

The attorneys at the Atlanta, Georgia trial law firm of Millar & Mixon, LLC, are available to assist you with your questions about your insurance policy and the coverage it provides.  We will be happy to review the contents and coverage of your car, truck, or motorcycle insurance policy at no charge.  And, “no” we won’t try to sell you insurance!

Posted by Kristen Pitts, Esq., attorney in the Atlanta trial law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm dedicated to protecting the interests of Georgia’s injured. Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation.

Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now!

You know the law requires you to have insurance whenever you drive a car, truck or motorcycle in Georgia. But what happens if you want to drive before you have received your new or renewed insurance policy from the insurance company – will you be protected in case you are hurt in an accident?

Generally, the insurance company will give you a document that is called a “binder.” The binder serves two important purposes. One: it provides a summary of your insurance coverage and, two, it can serve as proof of insurance until you receive your policy in the mail. But as we attorneys here at Millar & Mixon, LLC, know, there are some special things to keep in mind regarding your insurance binder.

First, according to the Georgia statute found at O.C.G.A. 33-24-33, the insurance coverage provided by the “binder” is only good for 90 days, starting with the day it became effective. So, you must be sure your insurance policy is issued before the 90 days expires. Otherwise, you could be driving without insurance. Of course, as soon as the insurance policy is issued within the 90 day period, your binder is no longer necessary.

Second, under some circumstances a “binder” can be created simply by the conversation you had with the insurance agent, and it should include the typical terms of the insurance policy you have purchased, but not yet received. However, the status of your oral “binder” is not always crystal clear. So, don’t get caught in a bind about your “binder.”

If you have any questions about car, truck or motorcycle insurance the personal injury and insurance attorneys at Millar & Mixon, LLC, are available to answer your questions  your “binder,” or any other insurance matter.  Of course, should you be injured in an accident caused by another driver call us first, for fast and experienced help.

Posted by Bruce R. Millar, Esq., attorney in the Atlanta accident and injury law firm of Millar & Mixon, LLC. Millar & Mixon, LLC, is a personal injury firm dedicated to protecting the interests of Georgia’s injured. Founded in 1993, our firm offers zealous advocacy and compassionate representation to all of our clients.

Please call us at 770-477-6360, or use our contact form here on our website, or email us at info@millarandmixon.com for a FREE case evaluation. Our phones are answered by a real person 24/7, and we promptly respond to all inquiries. Call or contact us day or night, weekend or holiday, and you will personally speak to an attorney at our firm right away, for FREE. Call Now

Drunk driving is a teen problem, especially this time of year.  As the end of the school year approaches, many teenagers are gearing up for prom season.  This can be an exciting time in any teenager’s life as the end of the year festivities are common and the summer season has begun to be celebrated.

Unfortunately, many high school students will begin to experiment with alcohol during this time.  It’s important to make sure that students are educated so that they avoid drunk driving accidents.  Take the time to discuss the following information with your teenager.  The drunk driving accident and injury attorneys at Millar & Mixon hope all Georgia high school students stay safe this prom season.

Many schools hold information discussions on the topic of drunk driving during prom season.  This may include discussing alarming drunk driving statistics, sharing real drunk driving accident stories, and sharing video and picture clips of accidents.  But that may not be enough!   Parents may want to make sure that you do you do your part to remind your teenager of the risks associated with drunk driving.

Take the following tips into consideration when talking with your teenager.

• · Talk with your teenager about the real dangers of drunk driving.  Make sure he or she does not take the matter lightly.
• · Make sure that your teenager knows not to get into a vehicle with a friend who has been drinking and not to drive after consuming alcohol himself.
• · Ask your teenager what he or she would do in such a situation.  Make it clear that it’s best to call you or a loved one for a ride home.  Emphasize that there will be no negative consequences if your child calls for a ride.
• · Ask your teenager how she would feel if she or a friend were to be involved in a drunk driving accident.  This will help to make the situation feel more real.

Take the time to sit down with your teenager to discuss your concerns.  Make yourself available so that your teenager feels comfortable discussing drunk driving.

The drunk driving accident and injury lawyers at Millar & Mixon often represent the victims of serious drunk driving car and truck accidents.  We hope that with proper education, all Georgia high school students are able to remain accident free this prom season.

Posted by Liandra Marchan, Esq., Millar & Mixon, Attorneys in Atlanta, Georgia.  If you have any questions, or would like a free consultation with a lawyer about any car, truck or motorcycle accident case or claim, please call Millar & Mixon at 770-477-6360 or use our contact form.  Contact us today and speak with a friendly and compassionate lawyer today!