First Step: Write to the Insurance Company for the Person That Hit You

One of the first things that people need to do if they have a serious injury is to determine how much automobile liability insurance is available. In Georgia, there is a statute that requires the insurer to provide this disclosure to you. Remember that the more complex the case is the more you should err on the side of caution and at least consult with an Atlanta injury attorney. Read my article on when you can handle your own case here. Here is a sample letter that you can send to the insurance company to make this determination.

September 14, 2008

CERTIFIED MAIL RETURN RECEIPT

Brenda Jones

Progressive Insurance Company

1975 Lakeside Parkway

Ste 310

Tucker , GA 30084

RE: Bob Smith

Your Insured: Jane Doe

Date/Loss: 12/29/2006

Policy: 5551212

Claim: Unknown

Dear Mrs Jones:

I was injured in the above referenced crash. The claim that may be made against your insured is one involving personal injury, medical expenses, lost wages, pain and suffering and other necessary expenses flowing from the alleged negligence of your insured. The purpose of this correspondence is to request and demand, pursuant to O.C.G.A. § 33-3-28(a)(1) the following information:

1. Any and all known policies of insurance insuring the above-referenced policy holder. Said insurance shall include any excess umbrella insurance.

2. The exact name of the insurer.

3. The name of each insured.

4. The limits of coverage.

You may provide a copy of the declaration page of any policy insuring the above insured in lieu of providing the above-described information. The information requested herein, pursuant to the above-stated Code section, should be provided within 60 days of the receipt of this correspondence.

Sincerely