Insurance Policy

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If someone else’s negligence causes you to be injured in an accident, such as a traffic accident, a slip and fall accident, or any other kind of dangerous accident, you’ll look to the at-fault party’s insurance provider to compensate you for the losses you experience. While it is good to know that you’re covered, it’s also important to understand that the insurance company is on the insurance company’s side – not yours – and that having an experienced Atlanta personal injury attorney can make all the difference when it comes to your ability to obtain just compensation.

The Insurance Company

Like other businesses out there, the insurance company handling your claim is in the business of generating revenue. While it’s true that it’s paid to cover your personal injury claim, you need to keep in mind that it is not on your side and will do what it needs to do to keep your compensation as low as it can get away with. Leaving the insurance company in the able hands of your dedicated personal injury attorney is the best course of action when it comes to protecting your personal injury claim and best interests.

The rules of construction require the court to consider the policy as a whole, to give effect to each provision, and to interpret each provision to harmonize with each other. Additionally, a court should avoid an interpretation of a contract that renders portions of the language of the contract meaningless.

“[I]t is a cardinal rule of contract construction that a court should, if possible, construe a contract so as not to render any of its provisions meaningless and in a manner that gives effect to all of the contractual terms.” Pomerance, 288 Ga. App. at 494, 654 S.E.2d at 641.

A court may not construe an insurance policy in a way that renders a provision superfluous. York Ins. Co. v. Williams Seafood of Albany, Inc., 273 Ga. 710, 712, 544 S.E.2d 156, 157 (2001). This Court “must consider [the policy] as a whole, give effect to each provision, and interpret each provision to harmonize with each other.” S. Trust Ins. Co. v. Dr. T’s Nature Products Co., 261 Ga. App. 806, 807, 584 S.E.2d 34, 35-36 (2003).

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