Earlier this month, an appellate court issued an opinion in a Georgia car accident case, raising the question of whether the accident victim was entitled to compensation from his own insurance carrier under the underinsured motorist clause of the insurance policy. The court ultimately determined that, although the insurance contract clearly prevented the plaintiff from being compensated given the specific facts of the case, that clause was unenforceable because it was contrary to Georgia’s Underinsured Motorist statute.
The Facts of the Case
The plaintiff was injured in a serious car accident. The plaintiff filed a personal injury case against the other driver. However, the plaintiff soon realized that the other driver did not have adequate insurance to compensate him for the injuries he sustained in the accident. The plaintiff received $25,000 from the other driver’s insurance company.
The plaintiff, who was employed at the time of the accident, also obtained workers’ compensation benefits in the amount of nearly $200,000. However, these benefits provided a weekly benefit that was less than what the plaintiff was normally earning, and they did not include any compensation for pain and suffering or future medical expenses. Thus, the plaintiff was still owed compensation for his lost wages as well as compensation for his pain and suffering and future medical expenses.