Frequently Asked Questions

Georgia Law requires all motorists to carry and maintain valid insurance coverage while operating a motor vehicle.  In the event of an accident, if there is no valid insurance applicable, the person(s) responsible and/or the owner of the vehicle can be held personally liable for the damages caused. 

 Carefully read the documents you received and follow the instructions set forth.  If you have additional questions regarding these documents, contact or retain your own attorney to obtain legal advice 

A Judgment is a determination of responsibility by a Judge.  If a Judgment has been entered against you, we may allow you to enter into a payment plan to pay the judgment in monthly installments.  If you would like to discuss payment arrangements, please contact our office.  If you have already made payment arrangements, you can use our easy online payment option to make your monthly payments. 

You also have the option of making a settlement offer, in which you can offer an amount to us to pay in a lump sum, based on the current balance due, and if the client accepts it, and you are able to pay it within 30 days, we will close the file against you.   

If you have additional questions regarding the Judgment issued, contact or retain your own attorney to obtain legal advice.

If your Driver’s License has been suspended due to a Judgment we obtained against you, you can reinstate your Driver’s License by:  Negotiating a Lump Sum/Settlement Payment of the current balance due.  You can do this by contacting our office directly at (678) 966-9792 ext. 5.  We will contact our Client regarding your offer of settlement and we will notify you once we have a response.  If your offer is accepted, payment is due within 30 days.  If your offer is denied, you may need to enter into a payment arrangement in order to reinstate your Driver’s License.  

Making payment arrangements to pay the balance in monthly installments.  Generally, we accept $500.00 as a down payment and monthly payments of $250.00 or adjusted to your income. You can set up a payment plan by contacting our office directly at (678) 966-9792 ext. 5.   

Once you have made a down payment, we will issue and mail a Conditional Release.  You may sign this document and deliver it to the Department of Driver Services, Safety Responsibility Unit.  Please visit their website for further information regarding GA Department of Driver Services requirements for reinstatement.  We DO NOT fax Conditional Releases.  Monthly payments will be due 30 days after the date of the down payment and every month thereafter.  

Failure to pay the monthly payments as agreed may result in immediate suspension of your driving privileges.

The Georgia Department of Driver Services will need verification of your bankruptcy listing this debt as a creditor.   If you have additional questions regarding reinstatements due to bankruptcy, you may need to contact or retain your own attorney to obtain legal advice.

Subrogation is the legal right of one party to collect damages or debt originally owed to another entity by a third party. 

Subrogation allows you (the insurer) to recover costs including medical payments, property damage repairs, rental fees, and any deductible paid, from the at-fault driver or their insurance company, if the accident wasn't your insured's fault.  

A successful subrogation could mean a refund for you and your insured.

Our team of dedicated and experienced attorneys can review your case and determine if liability is favorable. If you have additional questions regarding your case, you can refer the case to our firm for our attorneys to assess and provide more guidance.

The subrogation process can take weeks, months, or sometimes years to complete, depending on the circumstances of the accident, the complexity of the claim, and the state where it occurred..

If your case is accepted by our firm and we determine that filing suit is the best course of action, there may be fees associated with filing suit, e-filing documents to Court, service, driver's license suspension, lien request, and/or garnishment fees.

We have a collection team that is dedicated to turning your loss or final judgment into a money recovery. We are Aggressive in our recovery efforts and utilize all of the remedies provided to you within the law.

You may send us new cases at NewReferrals@GAsubro.com.