How to File a Car Accident Claim and Common Mistakes to Avoid w. Ted Spaulding
What you do after an Atlanta car accident decides what your claim is worth under Georgia law. Ted Spaulding of Spaulding Injury Law walks Abby through scene steps, fault rules, deadlines, and when to call a lawyer. Questions answered in this episode: What should you do immediately after an Atlanta car accident? When is the SR-13 form required to report a Georgia car accident? How does Georgia's 50% rule affect what you can recover? Should you give the at-fault insurer a recorded statement? What if the other driver has no insurance? How does UM/UIM coverage work? Topics covered: SR-13 reporting, Georgia fault-based insurance, $25,000 minimum liability, UM/UIM coverage, 50% modified comparative negligence, recorded statements, preservation of evidence letters, vehicle black box data, diminished value, medical liens, two-year statute of limitations, ante litem notice, punitive damages, and Fulton County trial procedure. Georgia statutes referenced: O.C.G.A. § 9-3-33 (two-year statute of limitations), § 40-6-273 (SR-13 reporting), § 51-12-33 (apportionment / 50% bar), § 33-7-11 (UM/UIM coverage), § 36-33-5 (six-month city ante litem), and § 50-21-26 (one-year State of Georgia ante litem). Ted Spaulding on calling the police after every Atlanta crash: "If you're truly not at fault, the police are your best friend. They are the experts that come out." Ted Spaulding on recorded statements with at-fault insurers: "There is no law that requires you to do a recorded statement with the at fault parties insurance company. The only reason why they want it is to try to use it against you later if they can." Ted Spaulding founded Spaulding Injury Law in Atlanta and handles Georgia car accident and personal injury cases on contingency. Free consultation: spauldinginjurylaw.com Phone: (470) 695-9950 Office: 50 Hurt Plaza SE #1536, Atlanta, GA 30303 #AtlantaCarAccident #GeorgiaModifiedComparativeNegligence #SR13Form #UMUIMCoverage #FultonCountyLawyer #GeorgiaAnteLitem The information shared in this episode is for educational purposes only and is not legal advice. Every case is different. To discuss your specific situation, contact Spaulding Injury Law or a licensed Georgia attorney. Chapters 00:00:00 What to Do After a Car Accident in Atlanta, Georgia 00:00:29 What Should You Do Immediately After an Atlanta Car Accident? 00:09:54 Should You Call the Police After a Minor Atlanta Fender Bender? 00:13:15 Are You Required to Report a Car Accident in Georgia? SR-13 Form 00:15:26 Where to Get Medical Care After an Atlanta Crash? EMS to ER 00:19:21 How Does Georgia's Fault-Based Insurance System Work? 00:25:33 What Is Georgia's Minimum Liability Limit? The $25,000 Problem 00:30:04 What Is Georgia's 50% Rule? Modified Comparative Negligence 00:32:33 How Is Fault Determined? The Police Report in Atlanta Cases 00:34:39 How Do You File a Georgia Car Accident Claim? 90-Day Notice Rule 00:38:47 Should You Give Atlanta Insurance Adjusters a Recorded Statement? 00:41:50 How Do Georgia Insurance Companies Reduce or Deny Claims? 00:45:22 What Evidence Wins an Atlanta Crash Case? Video and Black Box Data 00:48:20 How Do Medical Records Affect a Georgia Settlement? Medical Liens 00:52:38 How Long Do You Have to Sue After a Georgia Car Wreck? 00:54:53 Ante Litem Notice: Suing a Georgia City or County After a Crash 00:57:33 Can You File a Claim If You Were Partly at Fault in Georgia? 00:59:03 What Damages Can You Recover in a Georgia Car Accident Claim? 01:02:58 When Should You Settle vs File a Lawsuit in Fulton County? 01:09:07 What Is the Fulton County Trial Process? Discovery and Depositions 01:12:58 When Should You Hire a Car Accident Attorney in Atlanta? 01:14:30 What Are the Biggest Mistakes That Hurt a Georgia Car Claim? 01:16:07 What If the Other Driver Has No Insurance? UM/UIM Coverage 01:17:45 Final Advice for Atlanta Car Accident Victims 01:18:33 How to Reach Spaulding Injury Law in Atlanta
How to File a Car Accident Claim and Common Mistakes to Avoid w. Ted Spaulding
Protecting Atlanta Accident Victims Through Education and Advocacy
The Atlanta Car Accident Attorneys podcast was created to address a critical gap in public understanding of personal injury rights in Georgia. Theodore Spaulding recognized that many accident victims make costly mistakes in the hours and days following a collision simply because they don't know their legal rights or how insurance companies operate. Through candid discussions and real-world examples, this podcast empowers listeners with the knowledge they need to protect their interests after an accident on Atlanta's busy streets and highways.
Each episode tackles specific aspects of personal injury law that directly impact accident victims in the Atlanta metropolitan area. Theodore Spaulding draws from years of experience handling cases involving I-285 accidents, Peachtree Street collisions, downtown pedestrian incidents, and serious crashes throughout Fulton, DeKalb, and Cobb counties. Listeners gain insights into Georgia's unique legal landscape, including the state's modified comparative negligence rule, statute of limitations considerations, and strategies for dealing with major insurance carriers that operate in the region.
“Every accident victim deserves to understand their rights and options. Knowledge is power when you're facing insurance companies with unlimited resources and experienced legal teams working against your interests.”
— Theodore Spaulding, Spaulding Injury Law
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This episode covers essential steps for protecting your rights after an Atlanta car accident, from scene documentation to insurance negotiations.
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Theodore Spaulding
Spaulding Injury Law
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What Is the Statute of Limitations for a Car Accident in Georgia?
Georgia gives you two years from the date of the wreck to file a car accident lawsuit, and filing an insurance claim does not stop that clock. Ted Spaulding of Spaulding Injury Law breaks down how the deadline is calculated, the exceptions for minors and incapacity, the much shorter notice window when a government vehicle is involved, and how insurers use the clock against accident victims. Questions answered in this episode: What is the statute of limitations for a car accident in Georgia? Does the deadline change if a minor was injured in the crash? Is there a different deadline if a government vehicle caused the crash? Does filing an insurance claim stop the lawsuit clock from running? What should an Atlanta accident victim do right now to protect their deadline? Topics covered: Georgia's two-year statute of limitations, the difference between an insurance claim and a lawsuit deadline, property damage deadlines, minor tolling, the discovery rule, tolling for citations and incapacity, the ante litem notice for government entities, wrongful death deadlines, insurer stalling tactics, court selection, early filing strategy, and evidence preservation. Georgia law referenced: O.C.G.A. § 9-3-33 (two-year personal injury statute of limitations), O.C.G.A. § 51-4-2 (wrongful death statute), and the ante litem notice requirements for municipal (six-month), county, and state (one-year) government entities. Ted Spaulding on claims versus lawsuits: "Filing a claim... is not a legal action. The legal action is the filing of a lawsuit in court." Ted Spaulding's advice: "Calendar, calendar, calendar." Spaulding Injury Law - Atlanta, Georgia - 20+ years of trial experience. spauldinginjurylaw.com | (470) 695-9950 | Atlanta, Georgia #StatuteOfLimitations #GeorgiaCarAccidentLawyer #AnteLitemNotice #FilingDeadline #AtlantaPersonalInjury #SpauldingInjuryLaw This podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by listening, watching, or commenting. Chapters 00:00:00 Welcome back to Atlanta Car Accident Attorneys with Ted Spaulding 00:02:42 What Is the Statute of Limitations for a Car Accident in Georgia 00:04:13 What Happens if You Miss Georgia's Filing Deadline 00:05:13 Why the Lawsuit Deadline Differs From the Insurance Claim Deadline 00:06:42 How Georgia Calculates the Two-Year Deadline From the Accident Date 00:08:05 What Is the Deadline for Property Damage Claims in Georgia 00:09:25 Does the Deadline Change if a Minor Was Injured in a Georgia Crash 00:12:04 What Is the Discovery Rule and Why It Doesn't Apply to Georgia Car Wrecks 00:14:09 Can Georgia's Statute of Limitations Ever Be Paused or Tolled 00:16:23 Is There a Different Deadline if a Government Vehicle Caused the Crash in Georgia 00:18:25 What Is the Deadline for a Wrongful Death Car Accident Claim in Georgia 00:20:08 Why Insurance Companies Sometimes Stall a Georgia Claim Until the Deadline Is Close 00:22:18 Does Filing an Insurance Claim Stop Georgia's Lawsuit Clock From Running 00:23:38 What Courts Hear Car Accident Lawsuits in Atlanta 00:26:15 How Early You Should Actually File a Car Accident Lawsuit in Atlanta 00:29:05 Can You Still Settle a Georgia Claim After the Lawsuit Is Filed 00:31:23 What Evidence Becomes Harder to Get as Georgia's Deadline Approaches 00:34:02 What Happens to the Deadline if You Were Too Injured to Act 00:36:14 How the Deadline Interacts With a Long Course of Medical Treatment 00:38:41 Why the Filing Deadline Is the One Case-Losing Mistake That's Completely Avoidable 00:40:26 What an Atlanta Accident Victim Should Do Right Now to Protect Their Deadline 00:41:48 Ted Spaulding's One Piece of Advice for Protecting Your Deadline
In Plain Terms: What Is a Wrongful Death Claim in Georgia
A Georgia wrongful death claim does not compensate a family for their grief. It compensates for what the deceased lost from their own life. Ted Spaulding of Spaulding Injury Law walks an Atlanta family through who can file, how it works alongside a separate survival action, how the full value of a life gets measured, and the two-year deadline that can end it all. Questions answered in this episode: What is a wrongful death claim in Georgia in plain terms? Who is legally allowed to file a wrongful death claim under Georgia law? What is the full value of life, and how is it measured in Georgia? How long does an Atlanta family have to file a wrongful death claim? Topics covered: Georgia's wrongful death statute, the statutory filing hierarchy, survival actions, the full value of life standard, economic and non-economic damages, funeral costs and subrogation, insurance coverage, proving negligence and causation, expert witnesses and medical examiners, comparative fault, multiple responsible parties, the two-year statute of limitations, distribution among family members, and minor settlement protections. Georgia law referenced: O.C.G.A. § 51-4-2 (wrongful death statute), O.C.G.A. § 19-7 (survivor hierarchy), and O.C.G.A. § 9-2-41 (survival action). Ted Spaulding on the value standard: "It is the full value of the life of the deceased to the deceased... not how they affected other people." Ted Spaulding's advice: "Don't let the deadline catch them... and don't accept any kind of lowball offers." Ted Spaulding, Founder of Spaulding Injury Law, Atlanta, GA, with 20+ years of trial experience. spauldinginjurylaw.com | (470) 695-9950 | Atlanta, Georgia #WrongfulDeathLawyer #GeorgiaWrongfulDeath #FullValueOfLife #SurvivalAction #AtlantaWrongfulDeath #SpauldingInjuryLaw This podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by listening, watching, or commenting. Chapters 00:00:00 Welcome back to Atlanta Car Accident Attorneys with Ted Spaulding 00:01:21 What Is a Wrongful Death Claim in Georgia in Plain Terms? 00:03:40 Who Is Legally Allowed to File a Wrongful Death Claim Under Georgia Law? 00:06:08 What Happens When There Is No Surviving Spouse or Children? 00:06:54 What Is a Survival Action and How Is It Different From Wrongful Death? 00:08:52 Why Do Families Often Bring Both a Wrongful Death Claim and a Survival Action? 00:11:39 What Does a Georgia Wrongful Death Claim Actually Compensate a Family For? 00:15:37 What Is the Full Value of Life and How Is It Measured in Georgia? 00:17:58 What Economic Losses Go Into a Wrongful Death Claim, and How Are Funeral Costs Handled? 00:21:34 How Are Non-Economic and Relationship Losses Valued in Atlanta? 00:23:55 How Does Insurance Coverage Work in a Georgia Wrongful Death Claim? 00:28:40 How Do You Prove That Someone's Negligence Actually Caused the Death? 00:33:53 What Role Do Expert Witnesses and the Medical Examiner Play in Atlanta? 00:37:23 How Does Georgia's Comparative Fault Rule Affect a Wrongful Death Recovery? 00:41:24 What Happens When More Than One Party Is Responsible for the Death? 00:44:03 How Does the Analysis Change in Fatal Crash, Medical Error, and Premises Death Cases? 00:47:35 How Long Does an Atlanta Family Have to File a Wrongful Death Claim? 00:50:16 How Is the Money From a Wrongful Death Case Distributed Among an Atlanta Family? 00:52:54 How Does the Court Protect a Minor Child's Share of Recovery? 00:55:23 What Is the Difference Between Settling a Wrongful Death Case and Going to Trial?
Who Pays When an 18-Wheeler Hits You in Atlanta?
A commercial truck wreck is never a one-driver, one-insurer case. Ted Spaulding of Spaulding Injury Law breaks down the layered coverage stack behind an 18-wheeler on Atlanta roads like I-285, from the $750,000 federal minimum and the MCS-90 endorsement to every party beyond the driver who can owe a Georgia crash victim. Questions answered in this episode: Who is actually on the hook when an 18-wheeler hits you? Why are there usually several insurance policies behind one truck? What is negligent hiring, and how does it open a direct claim against the carrier? How does bad faith insurance law work against a trucking insurer that refuses to settle? Why does the timeline matter given Georgia's two-year deadline? Topics covered: motor carrier liability, federal minimum coverage, the MCS-90 endorsement, Georgia's apportionment statute (OCGA 51-12-33), excess and umbrella policies, owner-operator coverage disputes, cargo loader and shipper liability, freight broker liability, the independent contractor defense, uninsured and underinsured motorist coverage (OCGA 33-7-11), negligent hiring, negligent maintenance, trucking company rapid response teams, bad faith insurance law, economic and non-economic damages, and Georgia's $250,000 punitive damages cap. Ted Spaulding on the coverage stack: "It's not your ordinary car wreck." Ted Spaulding on early settlement offers: "It's a trap. They're trying to get you before you know what your case is really worth." Spaulding Injury Law - Atlanta, Georgia - 20+ years of trial experience. spauldinginjurylaw.com | (470) 695-9950 | Atlanta, Georgia #TruckAccidentLawyer #MCS90 #GeorgiaApportionment #NegligentHiring #BadFaithInsurance #AtlantaTruckAccident #SpauldingInjuryLaw This podcast is for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by listening, watching, or commenting. Chapters 00:00:00 Welcome back to Atlanta Car Accident Attorneys with Ted Spaulding 00:02:21 Who Is Actually on the Hook When an 18-Wheeler Hits You on I-285 00:04:40 Why Are There Usually Several Insurance Policies Behind One Truck 00:06:54 What Is the Federal Minimum Insurance and the MCS-90 Endorsement 00:10:01 How Georgia's Apportionment Law Divides Fault in a Truck Case 00:12:36 What Is Excess or Umbrella Coverage in a Catastrophic Truck Case 00:20:06 How an Owner-Operator's Own Insurance Complicates a Georgia Truck Claim 00:22:17 Who Pays When a Load Shifts on an Atlanta Freight Run 00:25:39 What Is a Freight Broker and Can One Be Held Responsible in Georgia 00:28:23 How the Independent Contractor Argument Gets Used, and Beaten, in Georgia 00:30:39 Can Your Own Uninsured Motorist Coverage Apply to a Georgia Truck Wreck 00:33:00 What Is Negligent Hiring and How It Opens a Direct Claim Against the Carrier 00:36:16 How Negligent Maintenance Shifts Responsibility to the Trucking Company 00:39:19 Why the Trucking Company Sends a Rapid Response Team to the Atlanta Crash Scene 00:41:47 How Trucking Insurers Try to Minimize What They Pay A Crash Victim In Atlanta 00:45:14 How Bad Faith Insurance Law Works Against a Georgia Trucking Insurer 00:48:49 How Investigators Figure Out How Much Insurance a Truck Actually Carries 00:51:03 How Economic Damages Get Calculated in a Georgia Truck Case 00:55:16 How Georgia Values Non-Economic and Punitive Damages, and Its $250,000 Cap 01:01:37 Why the Timeline Matters Before Truck Evidence Disappears in Georgia 01:07:29 The Biggest Insurance Mistake an Atlanta Crash Victim Make 01:09:20 Ted Spaulding's One Piece of Advice for a Georgia Truck Crash Victim