A new study by the Insurance Institute for Highway Safety shows a wide range in driver death rates in the smallest, cheapest cars, proving to be the most risky in an serious accident. Unfortunately, these types of cars are often purchased for teen drivers. The study looked at large-sales volume vehicles between the 2008 and 2011 model…

The spinal column consists of a series of bones (vertebrae) that are stacked one upon another. The spine consists of 33 vertebrae – 24 of which are called “articulating” vertebrae which are separated by intervertebral discs, and 9 fused vertebrae in the sacrum and coccyx.  The spine is divided into four (4) sections:  Cervical =…

You may not have anticipated buying a new car. Now you are faced with a “total loss”, meaning your car is not repairable or worth repairing and you have to be sure the insurance company is offering you a fair value for your vehicle. How can you determine what the fair market value of your…

Diminished Value (commonly referred to as “DV”) is the economic loss in a property’s value as a result of having been damaged.  Most insurance companies use a diminished value calculation known as “17c”. This diminished value calculation was developed by Infinity Insurance and first implemented in a court by State Farm in a Georgia class…

Legally speaking, in Georgia you’re absolutely right. But as you know, many people do not abide by the law. If you are in an accident with an uninsured/underinsured driver you need to be protected. That’s why uninsured/underinsured motorist coverage exists. The truth is that uninsured drivers are out there! In fact, there are approximately 1 in 7 drivers (PDF)…

It seems simple enough, if the police officer gives the at-fault driver a ticket, you would assume that their insurance company will find them at fault. However, when two parties get into an accident when they are both driving, and if they have different accounts of the story, and each account blames the other driver,…

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