Atlanta Personal Injury Lawyer Blog

What does it mean to stack insurance policies?
Stacking auto insurance policies means that you can recover the policy limits from more than one policy rather being limited the policy limits of only one policy. Usually Georgia law requires that you exhaust the liability auto policy limits by negotiating a policy limits recovery before you can seek additional recoveries against umbrella policies or uninsured motorist or under-insured motorist policies.

Personal injury lawyer Richard Griffin warns that if the policy limits are not stacked correctly, then an unrepresented personal injury claimant could mistakenly release or waive their rights to recover against additional insurance policies that also cover their claim.

Why is stacking the auto insurance policies vital in large personal injury claims?
Large personal injury claims are often worth more than available liability policy limits of the negligent driver. This creates a huge problem and a sad reality when there is not even enough money to cover the past medical expenses, lost wages, . Personal injury lawyer Richard Griffin explains that personal injury attorneys can make a huge impact on the net recovery for his clients be doing the following:
(1) Identifying all insurance policy (negligent driver, owner of vehicle, and employers).
(2) Obtain the policy limits of all liability policies, umbrella policies, uninsured motorist policies, and under-insured motorist policies.
(3) Negotiate or litigate to get the highest personal injury recovery possible.
(4) Use of proper limited releases rather than a general release.
(5) Stacking of all policies to get the maximum settlement or verdict recovery.

Why is it risky to represent yourself and attempt to stack insurance policies yourself?
(1) Without an experienced personal injury and wrongful death attorney it will be almost impossible to negotiate a fair and reasonable settlement.
(2) If the adjuster negotiates unfairly, then a personal injury claimant does not have the ability to litigate the personal injury and wrongful death claim. Without the legitimate threat of litigation, the adjusters will attempt to save their employers (the insurance company) money at your expense.
(3) Personal injury claimants and wrongful death claimants will normally not be able to identify all insurance policies that cover a claim and verify the policy limits for each.
(4) Personal injury claimants and wrongful death claimants will not know what should and should not be in the limited release which could jeopardize their ability to obtain additional recoveries from the other insurance coverage that covers their claims.
(5) Personal injury claimants and wrongful death claimants do not have the experience of the seasoned personal injury lawyer to know the real value of their claims. They also do not have the resources needed to make certain the injuries, the treatment, the prognosis, the future treatment plans, and any permanent impairment is properly documented.
(6) Further, strong personal injury lawyers have the ability to conduct jury verdict research to better establish the actual value of each personal injury or wrongful death case based on the specific facts of each case. This is an expensive research that is normally not available to people who are not attorneys.

What types of accidents can personal injury, worker's compensation, and wrongful death claims arise from?
(1) Auto Accidents;
(2) Truck Accidents;
(3) Motorcycle Accidents;
(4) Bicycle Accidents;
(5) Pedestrian Accidents;
(6) Premise Liability Accidents;
(7) Slip and Fall Accidents;
(8) Dog Bit Incidents;
(9) Negligent Security Incidents; and
(10) Any on the job injuries (mainly for worker's compensation claims).

How can I get a free consultation regarding my personal injury, worker's compensation, wrongful death, or social security disability claim?
(1) Free phone consultation: Call The Griffin Law Firm, P.C. at 866-847-6545.
(2) Free email and internet consultation: Use this link: [FREE LEGAL CONSULTATION]
(4) Free office consultation: We will schedule this for any potential client that has a personal injury, wrongful death, worker's compensation, or social security disability claim that we believe has merit.