Depending on the kind of insurance coverage you hold, your policy may cover you for wages lost as the result of an accident. It is also important that the claim is filed correctly with all relevant information provided to the insurance company.
More importantly, you should pursue any avenue available to you when an accident puts you out of work. If that means having to claim from your own auto insurance, it helps to understand the type of insurance involved and process of filing a claim.
You will incur loss of wages if an accident is of a severe enough nature to keep you out of work. This is money that you would have normally received as a wage from regular work which, for most people in Georgia, is essential income when it comes to paying the mortgage and bills. If your insurance policy covers loss of wages, you can claim the money back provided that you prove to the satisfaction of the carrier that you are not yet able to return to work.
Examples of lost wages may include:
- Loss of wages while you are out of work injured
- Losing the capacity to earn the same level of wages due to disability
- Lost opportunities, which may include not being able to attend interviews due to injuries incurred in the accident
Filing a Claim for Lost Wages
Before you attempt to claim lost wages from your auto insurance, it is first necessary to confirm that you hold the right kind(s) of coverage. If you have any of the following types of auto insurance, you may be able to file a claim for lost wages:
Liability Bodily Injury Coverage
In the state of Georgia, you may file a claim for lost wages through an at-fault driver’s bodily injury liability insurance. You can learn how to file a claim by following the instructions on the relevant DMV.gov page.
Uninsured/Underinsured Motorist Coverage
If you have taken out uninsured or underinsured auto insurance, this may also provide you with an avenue for covering lost wages. You can learn more about uninsured and underinsured cover via this page.
Personal Injury Protection (PIP) Coverage
PIP coverage has a policy limit up to which you may claim all or a portion of lost wages. Georgia is NOT a no-fault state; however, you may still hold PIP coverage to protect lost wages in the case of an auto accident.
Personal Injury Lawyer
If you are not confident about seeking reimbursement for lost wages, it may benefit you to consult with an experienced personal injury lawyer. The Fry Law Firm has extensive experience in helping clients fight for fair compensation in auto accidents resulting in injury and lost wages in the state of Georgia.
For a free consultation, where you can discuss your case with a qualified legal professional, reach out to the offices of the Fry Law Firm today. We can provide impartial, confidential and helpful guidance on navigating auto insurance after an accident.