{"id":6868,"date":"2026-11-02T17:19:10","date_gmt":"2026-11-02T17:19:10","guid":{"rendered":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/can-trucking-company-insurer-deny-claim-georgia\/"},"modified":"2026-11-04T01:43:49","modified_gmt":"2026-11-04T01:43:49","slug":"can-trucking-company-insurer-deny-claim-georgia","status":"publish","type":"page","link":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/can-trucking-company-insurer-deny-claim-georgia\/","title":{"rendered":"Truck Accident Lawyer Georgia: Can Insurers Deny Your Claim?"},"content":{"rendered":"\n
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Truck Accident Lawyer | Georgia<\/p>

Truck Accident Lawyer Georgia: Can Insurers Deny Your Claim?<\/h1>

T. Madden & Associates, P.C. has represented injured Georgians since 1999, and our team can review the denial with you at no cost.<\/p>

Start your free case evaluation<\/a><\/div>
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Why Georgians call T. Madden & Associates<\/h2>\n

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Since 1999<\/h3>

Representing injured people in Georgia<\/p><\/div>

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5 offices<\/h3>

Jonesboro, Atlanta, Decatur, Macon and Augusta<\/p><\/div>

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24\/7<\/h3>

Call us any time<\/p><\/div><\/div>\n\n<\/div>\n\n\n

By Terance Madden \u00b7 Published November 2, 2026<\/p>\n\n

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A Denial Is Not the Final Word on Your Semi Crash Claim<\/h2>\n

An insurer can deny or undervalue your claim, but a denial letter does not end the claim or set its value. In Georgia, a trucking insurer’s first answer is a position it can revisit with evidence.<\/p>\n

Trucking insurers often respond to injury claims in one of three ways. They may deny the claim, ask for more information, or make a low first offer. Each of these is a step in a negotiation, not a final decision.<\/p>\n

So can the trucking company’s insurer deny my claim? Yes, it can deny it. But a denial starts a dispute, and Georgia’s fault rules and filing deadline shape how that dispute goes. This page explains both, along with the defenses carriers raise and how a denial can be reviewed. For background on truck claims, see our truck accident lawyer<\/a> page.<\/p>\n\n

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If a trucking insurer has denied your claim or made a low offer after your semi crash, you don't have to sort out the next step alone. Our team can review that letter with you. Talk it through with our team — the first consultation is free, confidential, and carries no obligation.<\/p>

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Get a free consultation<\/a><\/div><\/div>\n<\/div>\n\n
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How Georgia’s Comparative-Fault Rule Affects an Insurer’s Denial<\/h2>\n

Georgia cuts your recovery by your share of fault, and it bars recovery entirely at 50 percent or more. Under O.C.G.A. \u00a7 51-12-33<\/a>, the judge reduces the damages awarded to you in proportion to your percentage of fault. The same statute says you cannot receive any damages if you are 50 percent or more responsible for the injury or damages claimed.<\/p>\n

This is why many denials focus on blame rather than on your injuries. If the carrier can shift fault onto you, the amount it owes you drops, or the claim ends altogether.<\/p>\n

Fault is decided on the facts of the crash. Insurers argue over lane position, speed, following distance, and turn signals. Each argument is a claim, not a final finding. You answer it with evidence, such as the police report, photos, witness statements, and any vehicle or dashcam data.<\/p>\n

The statute also shapes who pays. Damages are split among the people found liable, and each person owes only their own share. The jury or judge must also consider the fault of everyone who contributed to the injury, even people who were never named in the suit. A defendant can point to a nonparty if the plaintiff entered into a settlement agreement with the nonparty, or if the defendant gives notice by filing a pleading in the action that names the nonparty and gives a brief statement of the basis for believing the nonparty at fault, not later than 120 days before trial.<\/p>\n

A fault argument is a negotiating position. What matters is whether the evidence supports it.<\/p>\n

The Two-Year Deadline to File Under O.C.G.A. \u00a7 9-3-33<\/h2>\n

Georgia generally requires a lawsuit for injuries to the person to be brought within two years after the right of action accrues. That rule comes from O.C.G.A. \u00a7 9-3-33<\/a>. The statute has exceptions, so the dates in your case need a careful check.<\/p>\n

Except as otherwise provided in this article, actions for injuries to the person shall be brought within two years after the right of action accrues, except for injuries to the reputation, which shall be brought within one year after the right of action accrues, and except for actions for injuries to the person involving loss of consortium, which shall be brought within four years after the right of action accrues (O.C.G.A. \u00a7 9-3-33<\/a>).<\/p>\n

Waiting for the carrier’s final word before checking dates is a risk. Start one simple note with the crash date and the date of every letter from the carrier. Then count forward from the crash.<\/p>\n

Common Defenses Carriers Raise After a Semi Crash<\/h2>\n

Carriers usually raise defenses in a few groups. Each one can be answered with evidence, and the same facts can support or weaken a defense. The Georgia Department of Public Safety lists driver error, inadequate rest, defective brakes, and defective steering among common contributing factors in commercial truck crashes, per its Georgia DPS truck crash fact sheet<\/a>.<\/p>\n