The Truck Accident Lawyer Portal
Road Work, Auto Accidents
Lloyd Thomas
Road Construction and Accident Hazards

Road construction is often a bittersweet thing. On the one hand, it is great because it means that necessary repairs are being made to fix the roadway. On the other hand, it often means that lanes are closed and that there will be traffic jams and even confusion.

Road Construction and Accident Hazards
Road Rage
Lloyd Thomas
Why is Road Rage on the Rise in Atlanta?

Unfortunately, we have seen a spike in road rage incidents lately in Atlanta, GA. Road rage is defined as when a driver feels violent anger while operating a vehicle due to the conditions and other drivers around them on the road. Oftentimes this might lead to people yelling, honking, or giving someone the middle finger. However, in some cases, drivers will take it to an extreme and dangerous level and will actually engage in a physical altercation with another driver.

Why is Road Rage on the Rise in Atlanta?
Lloyd Thomas
What’s the Difference between a Lump Sum Payout ...

Sometimes in life we are hit with the unexpected, especially with car accidents or other types of personal injuries. When settling a personal injury case, the payout will come in the form of either a lump sum or a structured settlement. As a personal injury attorney, Lloyd H. Thomas Law works with our clients to help them receive the best possible settlement for their case. Let’s take a look at the differences between lump sum payouts and structured settlements.

What’s the Difference between a Lump Sum Payout and a Structured Settlement?
Lloyd Thomas
When Should You Hire an Injury Attorney?

When you’ve been in an accident and have been hurt, you may need help right away. It’s important to realize that insurance companies don’t act fast, and sometimes ignore claims altogether. To avoid the hassle of dealing with the insurance company yourself, it’s time to hire a personal injury attorney. When it comes to hiring a personal injury attorney, it’s important to know what steps to take and what to look for. Read more below to educate yourself on the necessary steps to find a great injury lawyer.

When Should You Hire an Injury Attorney?
Auto Accidents
Lloyd Thomas
Hazards of Drunk Driving

We have all heard the phrase “Don’t drink and drive”, and most of us have that ingrained in our minds and make a conscious effort never to drive if we have been drinking. Whether you have a designated driver who is sober, or if you walk home, or if you call a cab or ride-sharing driver, there are plenty of options that allow you to get home safely. Unfortunately, not everyone follows the law.

Hazards of Drunk Driving

car insurance

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Why You Need to Make Sure that You Have Uninsured Motorist Coverage in Georgia

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The Importance of Having Uninsured Motorist Coverage on Your Insurance Policy

If you own and operate a vehicle, you are required to have car insurance. While this adds a monthly expense to your budget, it is well worth the freedoms that owning a vehicle can give to a driver. Not only does a registered and insured vehicle give the driver the freedom to drive, it also allows them to do so with peace of mind in the event of an accident. Unfortunately, we live in a very unpredictable world where anything can happen. An automobile accident could be caused by your own actions, the actions of another driver, either of your vehicles failing to operate properly, or even the weather conditions or conditions of the road itself. In fact, roughly 1.5 million car crashes involving a deer occur every year. Even something as simple as an animal walking across the road could cause a crash and make you thankful that you are insured.

But what if you get into an accident with an uninsured motorist? Some drivers are irresponsible, and choose to drive without having the necessary insurance coverage. Lloyd H. Thomas Law is a personal injury law firm that works with clients every day who have been the victims of car accidents. Today, we would like to discuss the importance of car insurance and particularly the importance of having uninsured motorist coverage in the state of Georgia.

What is Uninsured Motorist Insurance Coverage?

Uninsured motorist coverage is part of your auto insurance that covers you if you are hit by a motorist who does not have insurance. You are not required by law to have uninsured motorist coverage in Georgia, however driving without it poses great risk to you. In the event that you were hit by an uninsured driver, you would have to pay for your vehicle damages and medical bills on your own and then take the other driver to court. Having this coverage will save you the time, money, and stress of having to pay for your damages on your own.

The Difference between Add-On and Reduced-By Coverage

When adding uninsured motorist coverage to your insurance policy, it is important to make this clear distinction. We strongly recommend that you choose “add-on” coverage instead of “reduced-by” coverage. What does this mean?

Add-on coverage allows you to add the amount of uninsured motorist insurance that you have to the other driver’s insurance.

Reduced-by coverage only pays for the difference between the amount that the other driver’s insurance policy pays and your uninsured motorist coverage.

Essentially, add-on coverage will allow you to have a much larger sum of money to compensate you for your damages and medical bills than reduced-by coverage. It is important to note, however, that insurance companies don’t often make it easy to make a claim and receive these funds. If you find yourself in a situation where you may need to make an uninsured motorist claim it is essential to find an experienced personal injury attorney to assist you.

Have You Been in a Car Accident? Contact a Personal Injury Lawyer

Accidents happen, and if you are not the one at fault then you deserve to be compensated fairly for your damages and injuries. Hire a personal injury lawyer to help you through the process and to help you get compensated. Call Lloyd H. Thomas Law at (404) 848-8898 or send him a message today. Lloyd H. Thomas is a personal injury attorney who will help you properly write your claim and settle your case. If you were the victim of a car accident, Lloyd has your back!