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2016 STATISTICS FROM THE GEORGIA STATE BOARD OF WORKERS’ COMP

In 2016, the average workers’ compensation settlement in Georgia: $9,837.00

In 2016, the average workers’ compensation settlement with Bruce Edwards: $82,485.00

Bruce and his Staff will continue to fight for the rights of seriously injured workers in Georgia!

BRUCE EDWARDS graduated in the Ivy League from the University of Pennsylvania and from law school at the University of Georgia. Mr. Edwards is Vice President of the Georgia Trial Lawyers’ Association and an Executive Committee Member of the Workers’ Compensation Claimants’ Lawyers Association. He speaks frequently at attorney’s seminars teaching lawyers how to properly handle personal injury and workers’ compensation litigation.

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THE MOST IMPORTANT INSURANCE COVERAGE YOU’LL EVER OWN

Do you understand what uninsured/underinsured motorist coverage (UM) really means?  Most have never even heard of it.

Because of the tremendous number of calls I received regarding UM coverage, I wanted to share with you the importance of having a sufficient amount of uninsured/underinsured (UM) coverage under your automobile insurance policy.

What Is Uninsured Motorist Coverage?

Let’s say you’re driving down the road and another driver runs a stop sign, striking your automobile and severely injuring you. Suppose your medical bills total $40,000.00 (not uncommon with today’s rising health care costs) and your loss of wages currently total $15,000.00.

Now, let’s also suppose that the person who hit you has no personal assets and does not have automobile liability coverage (statistics show that about 25% of all drivers in Georgia are driving illegally with no insurance).

How Much Will You Be Able to Recover For Your Injuries, Medical Bills, and Lost Wages?

The answer is: unless you have UM coverage on your own automobile, the answer, tragically, is zero!

UM coverage is very inexpensive. It protects you! When you purchase what is called liability coverage (that’s the type required by law), it protects everyone else in the world in case you hurt them because of your mistake.  In contrast, UM coverage PROTECTS YOU for your injuries caused by the negligence of another driver.

How Much UM Should You Have?

I recommend a minimum of $100,000.00 of UM coverage because there are simply very few activities in today’s society more dangerous than driving. YOU MUST insist that your insurance agent gives you sufficient UM coverage, because he will not voluntarily do it on his own.

This sample policy illustrated below shows bad coverage amounts because of the bad UM limits. With this policy, you would be paying a lot to insure everyone else in the world (see the $100,000 in liability coverage), except for yourself.  Its premium cost is $124 per pay period.

          Coverages                                                                                          Limits of Liability                                                    VEH1                    

  1. BODILY INJURY LIABILITY                                                            $100,000 PER PERSON/ $300,00 PER ACC              $124

PROPERTY DAMAGE LIABILITY                                                   $50,000 PER ACCIDENT                                                 $ MEDICAL

2.  PAYMENTS OPTION                                                                         $1,000 PER PERSON                                                         $  24

3.  UNINSURED MOTORISTS                                                              $25,000 PER PERSON/$50,000 PER ACC                  $  17

BODILY INJURY

PROPERTY DAMAGE                                                                       $10,00 PER ACCIDENT                                                     INCL

DIDSCOUNTS:    15% RENEWAL  25%MULTI-CAR

But look at the relatively inexpensive cost of UM coverage.  It costs only $17 per period.  You should pay a few extra dollars to have your UM coverage raised to $100,000.00, the same amount you have in liability coverage.

CHECK YOUR AUTO INSURANCE DECLARATION PAGE TODAY!  If you have any questions about the type and amount of coverage you currently have, please feel free to contact my office at (912) 384-5700.

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5 Things to Avoid When Injured on the Job

Getting injured on the job is like filing a claim on a home that has been damaged by a natural disaster – one wrong move could cost you thousands of dollars as well as wasted time. Although you’ll be tempted to take action right away and file a workers comp claim, your best course of action is seek wise legal counsel and get good advice as well as make smart decisions that will place you in a good position regardless of how long you sustain your injuries.

Below is a simple guide to help get you started. If you have any questions about workers comp, you can also contact our offices. We are here to help you through the process of applying for and securing workers compensation without all the hassle.

Do Not Hesitate to Tell Your Boss
When you get hurt on the job, the very first step to take is to report it to your boss. The longer you wait, the more difficult it becomes to recount all the details of the incident. Tell your boss everything that occurred during that moment of injury. Try to not to leave out any specifics. The more he can report, the stronger your case will be when the time comes to file a claim with worker’s comp.

Do Not Rely on Verbal Communication
If your boss is properly trained and honest, then he or she will want to document incident by writing it down. If you don’t see your supervisor reaching for a pen and paper, then it’s up to you to insist that everything written down so that there is no discrepancy in the report down the road. Ask for an exact copy of the initial report and make sure to double check what was written down. The last thing you want to do is turn your claim into a case of he said, she said.

Avoid Filing a WC Claim Without Legal Representation
There’s an old saying: You don’t know what you don’t know. When it comes to workers comp, what you don’t know can cost you. This is why your very first move beyond reporting the incident at work should be to seek legal counsel from a seasoned and licensed attorney. A worker’s comp specialist can navigate you through the claims procedure and ensure that you and your family are taken care of through your difficult time.

 

Avoid Accepting the Company’s Physician as Being the Final Word
It is perfectly acceptable for you to get a second opinion on your injuries (and suggested that you use your own doctor instead). Doing so can validate or challenge the original report from the company’s doctor. If you have a family physician or need to find a specialist, then find one that is in your insurance company’s network. Make sure that the doctor is aware that your injury is job-related. Have him or her fill out as many details about the injury as possible. Whatever you do, don’t delay getting medical help. It could weaken your case as well as intensify your wound.

Avoid ‘Covering the Accident Up’
Some employers or management will do anything to avoid a costly injury settlement. They may even bribe you. No matter how tempting the offer, do not give in and settle under the table. Here’s why: First, it’s against the law. According to state regulations, job-related injuries have to be accurately and thoroughly reported. Second, you’ll make it more difficult for the next employee who gets hurt. Third, you are now a candidate for extortion, which your boss can use as leverage in the future. Your best policy is to report what happened exactly as it happened. After all, accidents will occur in the workplace from time to time regardless of how careful everyone is.

To File a Workers Compensation Claim, Contact Bruce Edwards, Attorney-At-Law
The Bruce Edwards Law Firm has built a reputation in Douglas, Georgia as an honest and dedicated worker’s compensation attorney. We have helped numerous clients in the area get the compensation they need from job-related injuries without all the headache of going through the red tape. Call us today at 912-384-5700 and let us represent you.

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ELECTRICAL INJURIES IN SOUTH GEORGIA

Electrical accidents are much more common than you may realize and can be catastrophic. In fact, electrocutions are the cause for a high rate of workplace deaths. Industries use electricity and workers are exposed to it, so there is always the possibility of an electrical injury due to short circuits or use of machinery or devices. At the top of the list for risk of electrical accidents are electricians, linemen, and construction workers.

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Our Clients Say:

  • “Even when the insurance company would not provide authorization for my medications or medical care, Mr. Edwards would not hesitate to request a hearing to obtain the authorization I needed.” – A.S.

  • “No one wants to get injured or go through a workers’ compensation claim; however, if you have a great attorney as Mr. Edwards, it will not seem as bad as it is.” – W.D.

  • “Once I hired Mr. Edwards, he filed a change of physician to get me to a new doctor. My new doctor performed corrective shoulder surgery and my shoulder improved tremendously.” – G.R.

  • “Thank you Bruce for helping me obtain the settlement that I deserved in my case. You fought hard with the insurance company and would not allow them to `low ball’ me.” – W.M.

  • “Once I had the surgeries I needed, Mr. Edwards negotiated an acceptable and realistic settlement. My family and I were very satisfied with Mr. Edwards’ representation.” – M.B.

  • “Even though I will never be 100%, the physicians he chose for me did an excellent job and I am feeling a lot better. Mr. Edwards knew exactly which physicians would look out for me and not the insurance company.” – R.P.

  • “I have recommended Mr. Edwards to many of my friends who have been injured working after he represented me in my workers’ compensation claim. He has always been upfront and sincere with his legal advice.” – A.M.

  • “I could not have hired a better attorney than Bruce Edwards. When I suffered a torn rotator cuff in my left shoulder, bi-lateral carpal tunnel syndrome and a disc herniation in my low back, Mr. Edwards was there for me.” – F.M.

  • “Bruce is a fantastic attorney. Without him I would not have been aware of `my rights’ as an injured worker. He and his staff gave me a great experience during a bad situation. Thank you Bruce for helping me get the compensation I was entitled to.” – A.T.

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Former Georgia Governor's Workers' Compensation Advisory Council Member

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Top POP Lawyer, Georgia

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