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Georgia’s statute of limitations for personal injury claims

Georgia statute of limitations for personal injury claims is generally two years under O.C.G.A. § 9-3-33, although important exceptions can shorten or extend that deadline depending on the facts of your case.. When that deadline passes, your right to sue is gone. The courthouse door closes permanently, regardless of how strong your evidence is or how serious your injuries are. The Georgia statute of limitations for personal injury affects nearly every injury claim filed in the state. Understanding this deadline can make the difference between preserving your right to sue and losing it permanently.

The two-year rule sounds simple enough until you start applying it to real situations. Questions about when the clock starts, whether an exception extends the deadline, whether a government entity is involved, and whether your specific type of claim follows different rules all make the calculation more complicated than it first appears. At The Law Offices of Tee Okonkwo, P.C., one of the most common calls the firm receives comes from Georgians who waited too long or assumed they had more time than they did. By the time they called, nothing could be done.

This guide covers Georgia’s injury filing deadlines in plain English. You will learn when the clock starts, what exceptions can extend it, how wrongful death and medical malpractice claims work differently, and exactly what steps to take right now to protect your rights. Read it carefully. Your claim depends on getting this right.

Statute of limitations Georgia injury claims: the two-year rule

What O.C.G.A. § 9-3-33 actually says

Georgia’s personal injury statute of limitations comes directly from O.C.G.A. § 9-3-33, which states that “actions for injuries to the person shall be brought within two years after the right of action accrues.” Every word in that sentence matters. The phrase “right of action” means the moment you have a legal claim against someone. “Accrues” means the moment that right comes into existence. In most personal injury cases, those two moments occur on the same day: the day of the accident.

This is not a soft guideline or a default that courts can bend when circumstances seem unfair. It is a hard statutory rule. A defendant’s attorney will file a motion to dismiss the moment they spot an expired deadline, and Georgia courts routinely grant those motions. There is no sympathy exception, no hardship extension, and no judicial discretion outside of the narrow statutory exceptions discussed later in this article.

Why two years goes faster than most people realize

Consider a realistic scenario. You are injured in a car accident in January 2026. You spend the first six months treating your injuries, attending appointments, and managing the immediate financial disruption. An insurance adjuster contacts you early, promises to handle things, and encourages you to wait for a settlement offer. By mid-2027, you are still negotiating. Then, in the fall of 2027, you realize your deadline is only a few months away and you have not hired an attorney or filed a lawsuit.

Filing a personal injury lawsuit is not a simple task you complete in a day. A thorough case requires gathering medical records, obtaining police reports, interviewing witnesses, consulting expert witnesses, calculating damages, and drafting a legally sufficient complaint. That process takes time, often months. An experienced attorney needs adequate time to build your case properly before filing. If you are approaching the deadline when you first contact a lawyer, you may be limiting your options significantly.

The statute of limitations clock does not pause while you recover, wait for a settlement offer, or give the insurance company another chance. It runs on calendar days, starting the moment the injury occurs.

What the two-year window covers

The two-year deadline under O.C.G.A. § 9-3-33 applies to the broad category of personal injury claims: car accidents, truck accidents, motorcycle collisions, slip and falls, dog bites, negligent security incidents, defective product injuries, and most other negligence-based claims in Georgia. These are situations where someone’s careless or reckless conduct caused your physical injury. If you want examples of common scenarios the firm handles, see our discussion of personal injury cases in Atlanta.

Wrongful death claims and medical malpractice claims both involve two-year deadlines as well, but they follow separate statutory frameworks with additional rules that deserve their own analysis. Those are covered in dedicated sections below.

When does Georgia’s personal injury statute of limitations begin to run?

The default rule: the date of the accident

In the overwhelming majority of Georgia personal injury cases, the filing deadline starts on the exact date of the incident. A car accident on July 2, 2026, means the lawsuit must be filed no later than July 2, 2028. That calculation does not shift based on when you received a diagnosis, when your medical bills arrived, or when the insurance company denied your claim. The accident date is the accrual date, and the clock starts immediately.

Many injured people mistakenly believe the deadline begins when they first see a doctor, when they understand the full extent of their injuries, or when they hire an attorney. None of those events reset the clock. Knowing this from the start is critical to protecting your rights.

How courts handle injuries with delayed symptoms

Delayed symptoms create one of the most common misconceptions about the filing deadline. Whiplash diagnosed three weeks after a rear-end collision does not shift the accrual date. The accident itself was a known event, and the fact that physical symptoms developed or worsened over time does not change when your legal right to sue was born. Georgia courts are consistent on this point.

The discovery rule, which can shift the accrual date to when an injury is discovered rather than when it occurred, applies to a much narrower category of cases involving truly latent or hidden injuries. Standard car accident injuries, even when symptoms are delayed or evolving, fall outside that category. The discovery rule is addressed in the next section.

Multiple incidents and cumulative exposure scenarios

Some injuries result not from a single event but from repeated or prolonged exposure, such as ongoing toxic chemical exposure, long-term product defects, or cumulative workplace harm caused by a third party. These cases present genuine complexity around when accrual occurs. Georgia courts have applied various analyses depending on the nature of the claim, including a “last exposure” theory in some toxic tort cases and an “each harmful act” approach in others.

If your injury developed over time through ongoing exposure rather than a single identifiable event, determining the accrual date requires careful legal analysis. These disputes can become significant litigation in their own right. Consulting an attorney early in any cumulative exposure case is essential because the accrual question alone can determine whether your claim survives.

The discovery rule: when hidden injuries shift the clock

What qualifies as a latent or hidden injury in Georgia

A latent injury is one where the harm is not reasonably discoverable at the time of the negligent act. The most recognized examples include injuries from exposure to toxic substances whose effects manifest years after exposure, and certain surgical errors where the harmful consequence of a procedure is not apparent until long after the surgery. In these situations, requiring a plaintiff to sue within two years of the negligent act would often mean suing before they could even know they had a claim.

Standard car accident injuries, soft tissue damage, and most orthopedic injuries do not qualify as latent simply because symptoms progressed over time. The accident is a known event; the injury flows from it. Courts do not treat delayed symptom development as a basis for applying the discovery rule in typical accident cases. The rule is reserved for situations where the connection between a negligent act and a harmful result is genuinely hidden from a reasonable person exercising ordinary diligence.

How Georgia courts decide the “knew or should have known” standard

When the discovery rule applies, the filing deadline begins when the plaintiff knew or reasonably should have discovered the injury and its cause. Georgia courts apply an objective standard: what would a reasonable person have discovered through ordinary diligence? A plaintiff who ignores obvious warning signs, disregards a physician’s concerns, or avoids seeking medical care cannot later claim the discovery rule extended the deadline because they personally remained unaware.

The defense will look hard at when you first experienced symptoms, when you sought treatment, and what a reasonable person in your position would have done. If you had enough information to investigate and did not, Georgia courts will generally hold that the clock ran from when you should have known, not from when you actually confirmed the connection to the negligent act.

The hard outer limit: statutes of repose

A statute of repose operates differently from a statute of limitations. While a limitations period can be paused under certain conditions, a repose period is an absolute outer boundary that eliminates claims regardless of when the injury was discovered or whether the plaintiff had any realistic way of knowing sooner. It is a legislative decision to draw a firm line in the interest of finality.

The most consequential statute of repose in Georgia personal injury law applies to medical malpractice claims. That repose period and its practical consequences are explained in the medical malpractice section below. A limitations period and a repose period cannot be treated the same way strategically, and confusing them can cost you the ability to file at all.

Tolling exceptions that can extend your filing window

Injured minors: the clock pauses until age 18

If a person under the age of 18 is injured, Georgia law pauses the personal injury filing deadline until they reach adulthood. Once they turn 18, they have the full two years to file. A child injured at age 10, for example, generally has until age 20 to bring a personal injury claim. This tolling rule reflects the reality that a minor cannot independently retain an attorney, manage litigation, or legally prosecute a lawsuit.

Medical malpractice cases involving minors operate under a separate and significantly more restrictive framework. Under O.C.G.A. § 9-3-73, a five-year repose period applies in medical malpractice, and for injuries occurring at birth or before age five, Georgia courts have held that an absolute outer limit tied to the minor’s tenth birthday can close the window far sooner than general tolling principles would suggest. Because the precise application of this limit depends on the specific facts and statutory text of O.C.G.A. § 9-3-73, families dealing with birth injuries or early childhood medical errors should consult an attorney immediately. The deadline can arrive much earlier than expected.

Mental incapacity and legal incompetence

Under Georgia law, if a person is legally incompetent at the time an injury occurs, the filing deadline does not begin to run until they regain capacity. If incapacity develops after the injury, the clock pauses during that period and resumes when the person recovers. This protection exists because someone who genuinely lacks the legal capacity to manage their affairs cannot be expected to prosecute a lawsuit within the standard timeframe.

Georgia courts define legal incompetence narrowly. Grief, emotional trauma, or depression does not meet the standard, nor does difficulty understanding legal proceedings. The question is whether the person was genuinely unable to manage the ordinary affairs of their life at the time. Courts scrutinize these claims carefully, and an injured person who was functioning in daily life but chose not to pursue legal action will not find this exception available.

Fraudulent concealment by the defendant

Georgia law tolls the filing deadline when the person or entity responsible for the injury actively concealed their wrongdoing. The clock does not run against a plaintiff who had no way to discover the basis for a claim because the defendant took affirmative steps to hide it. The tolling period runs from the time of concealment until the plaintiff discovered, or reasonably should have discovered, the fraud with ordinary diligence.

Georgia appellate courts apply this exception strictly. Mere silence, failure to volunteer information, or passive nondisclosure does not constitute fraudulent concealment. The defendant must have taken some affirmative act to prevent discovery, such as altering records or making false statements. The fraud must have actually caused the plaintiff to miss the filing deadline, and the plaintiff must have exercised reasonable diligence in attempting to uncover the truth. This is a difficult standard to meet. No injured person should ever rely on it as a fallback strategy.

Defendant’s absence from Georgia

When the person responsible for an injury leaves Georgia, the period of their absence is generally not counted against the plaintiff’s filing window under Georgia tolling law. This provision prevents defendants from defeating claims simply by leaving the state and waiting out the clock. The practical application arises most often in cases involving out-of-state drivers in Georgia accidents, or defendants who relocate after an incident.

This tolling rule typically does not apply to corporate defendants or entities with registered agents for service of process in Georgia. The rationale is that those defendants remain legally reachable within the state regardless of where their principals reside. For individuals, however, time spent outside Georgia’s borders may not count toward the running of the statute. The specific application of this rule depends on the facts, so consult an attorney if absence may be a factor in your case.

Government claims: shorter windows and strict notice rules

Municipal (city) claims: the six-month ante litem notice rule

Claims against a Georgia city or municipality require written notice to the governing authority within six months of the date of injury under O.C.G.A. § 36-33-5. This notice, called an ante litem notice, must state the time, place, extent, and nature of the injury, as well as the negligence that caused it. The six-month deadline is separate from and in addition to the standard two-year statute of limitations. Missing it bars the claim entirely.

A compliant notice must be presented in writing to the governing authority, such as the mayor or city council, and delivered by personal service, certified mail, or statutory overnight delivery. After receiving the notice, the city has 30 days to respond. If the city denies the claim or fails to act, you may then proceed with filing a lawsuit within the remaining time on the two-year period. The notice itself does not automatically stop the two-year clock under most circumstances, so consult an attorney to ensure both deadlines are tracked correctly and simultaneously.

State and county government claims: the twelve-month requirement

Claims against state agencies and county governments require ante litem notice within twelve months of the date the loss was discovered or should have been discovered. The notice must be sent by certified mail or statutory overnight delivery with return receipt requested to the Risk Management Division of the Georgia Department of Administrative Services (DOAS), with a copy to the specific agency or county involved. Required content includes the place of the transaction, the nature of the loss, and the amount of the loss claimed. The notice must also state the time of the occurrence and the negligence alleged. See the DOAS Risk Management notice requirements for details about delivery methods and required content.

Once notice is filed, a plaintiff must wait at least 90 days for DOAS to respond before filing suit. When a lawsuit is eventually filed, a copy of the notice and the delivery receipt must be attached to the complaint. If those exhibits are missing and the deficiency is not corrected within 30 days after the state raises the issue, the complaint will be dismissed without prejudice. Government immunity in Georgia means these procedural requirements are enforced strictly, not liberally.

What happens if the notice is defective or late

A defective ante litem notice is not automatically correctable after the fact. If the notice omits required content, names the wrong entity, or arrives by an improper delivery method, Georgia courts will treat it as a nullity. A late notice filed after the six-month or twelve-month window is equally fatal. There is no provision allowing the court to excuse a late or deficient notice because the circumstances seemed reasonable.

Government entities in Georgia enjoy sovereign immunity as the default rule. Lawsuits against those entities are only permitted when the legislature has specifically waived that immunity, and those waivers come with strict procedural conditions. The ante litem notice requirements are part of that package. If you believe a government-owned vehicle, a poorly maintained government road, or a government facility caused your injuries, you need an attorney involved within the first few weeks after the incident.

Wrongful death deadlines: how the clock works differently

The two-year wrongful death deadline and when it begins

Georgia’s Wrongful Death Act allows certain family members to pursue compensation for the full value of a deceased person’s life when death results from another party’s negligence. The filing deadline for these claims is two years, but the clock starts from the date of death, not the date of the underlying accident or negligent act. Under O.C.G.A. § 9-3-33, if a car accident victim is injured on June 15 and dies on June 20, the two-year wrongful death period begins on June 20. For an overview of how Georgia treats wrongful death timelines, see this summary of Georgia’s Wrongful Death Act.

Under Georgia’s Wrongful Death Act, the right to file belongs first to the surviving spouse, then to children, and then to parents if no spouse or children survive. An administrator of the deceased’s estate may also bring the claim in certain circumstances when no eligible family member exists. Identifying who has standing to file matters because an action brought by the wrong party can be dismissed, consuming precious time in the process.

Tolling for pending criminal cases and unprobated estates

Two significant tolling provisions apply in wrongful death cases. First, if the death resulted from a criminal act, including certain serious traffic offenses, the wrongful death statute is tolled during the pendency of criminal proceedings, up to a maximum of six years. Families dealing with a drunk driving fatality or a vehicular homicide case need to understand that this tolling exists but also that it has an outer boundary.

Second, if the deceased’s estate has not been probated, the wrongful death statute may be tolled for up to five years from the date of death. This provision protects families who are still navigating estate administration when a wrongful death claim also needs to be filed. Both exceptions require careful monitoring because they are not automatic and their outer limits are fixed.

Survival actions versus wrongful death: two separate deadlines

Georgia law distinguishes between a wrongful death claim and a survival action. A survival action is the claim the deceased person could have brought for their own pre-death pain, suffering, and other damages. That claim survives to the estate after death. The deadline for a survival action typically runs from the date of the original injury, not the date of death. A wrongful death claim runs from the date of death, as described above.

These are legally separate causes of action with distinct parties and distinct deadlines. A family dealing with a catastrophic injury that leads to death must track both clocks. Allowing either to expire unnecessarily means money left on the table forever.

Medical malpractice: a separate statute and a strict repose period

The two-year deadline under O.C.G.A. § 9-3-71

Medical malpractice claims in Georgia are governed by O.C.G.A. § 9-3-71, not the general personal injury statute. Section 9-3-71(a) establishes a two-year filing deadline that runs from the date the injury occurred or, in cases where the discovery rule applies, from the date the injury was discovered with the exercise of reasonable diligence. The discovery rule has more established application in medical malpractice than in general personal injury law, particularly where the harmful result of a procedure does not become apparent until weeks or months after treatment. For a practical explanation of the medical malpractice timing rules, see this article on the medical malpractice statute of limitations in Georgia.

Medical malpractice cases are also procedurally more demanding at the outset. Georgia law requires that a plaintiff file an expert affidavit along with the complaint, signed by a qualified medical professional who can attest that the defendant’s conduct fell below the accepted standard of care. Obtaining that expert opinion and preparing a compliant affidavit takes time, which means an attorney needs to be involved long before the deadline arrives.

The five-year statute of repose and what it cuts off

Section 9-3-71(b) establishes a five-year statute of ultimate repose in medical malpractice cases. Regardless of when the injury was discovered, no medical malpractice lawsuit can be filed more than five years after the negligent act. This is an absolute bar with very limited exceptions. The discovery rule can move the two-year limitations period, but it cannot push the claim past the five-year repose wall.

The practical danger is real and serious. A patient harmed by a surgical error in Year 1 who does not discover the harm until Year 3 has only two years remaining before the repose period closes the claim entirely. If that same patient does not consult an attorney until Year 4, they may have only one year to build a case, retain an expert, and file. Delayed discovery in medical malpractice cases does not generate a fresh two-year period from the date of discovery. It generates whatever time remains before the five-year wall.

The foreign object exception and wrongful death based on malpractice

O.C.G.A. § 9-3-72 provides a specific exception when a surgeon leaves a foreign object inside a patient’s body, such as a surgical sponge or instrument. In those cases, the plaintiff has one year from the date the foreign object is discovered to file suit. This exception exists because a patient may have no way of knowing a foreign object is present until symptoms develop years after surgery.

Wrongful death claims based on medical malpractice carry their own repose concern. If the negligent medical act occurred more than five years before the patient’s death, a wrongful death claim based on that malpractice is generally barred, even if the death is recent. Families dealing with long-term illness or delayed death following a medical error need to address this issue quickly. The timeline between the negligent act and the death is legally decisive.

Other injury-related claims with different filing deadlines

Property damage claims: four years under O.C.G.A. § 9-3-32

Damage to your vehicle or other personal property follows a four-year statute of limitations under O.C.G.A. § 9-3-32. This is a longer window than the two-year personal injury deadline. If someone who missed the personal injury filing deadline wonders whether any legal avenue remains, a property damage claim may technically still be open, though it provides far more limited recovery and carries its own strategic complications.

The better approach is always to pursue both personal injury and property damage claims together promptly. The evidence overlaps, the investigation is the same, and the strongest negotiating position comes from handling both at once. Splitting them apart because of missed deadlines weakens everything.

Loss-of-consortium claims: a derivative but separate deadline

A spouse’s claim for loss of consortium, covering the loss of companionship, support, and assistance resulting from a partner’s serious injury, carries a four-year statute of limitations in Georgia. This is longer than the two-year personal injury deadline that governs the injured spouse’s own claim. However, loss of consortium is a derivative claim: it depends on the underlying personal injury claim being valid. If the injured spouse’s claim fails or is time-barred, the consortium claim falls with it.

The four-year clock does not mean there is no urgency. Evidence relevant to the consortium claim overlaps completely with the personal injury case. Waiting three years to raise it while the underlying injury claim has already been compromised by delayed action creates problems that the longer limitations period alone cannot solve.

Breach of contract claims arising from injury incidents

Some injury situations generate breach of contract claims alongside personal injury claims. Disputes with insurance companies over coverage obligations, employer agreements, or service contracts may involve contractual duties that were breached in connection with the same incident. Contract claims in Georgia generally carry a six-year statute of limitations. Identifying all possible claims arising from a single incident matters because different deadlines apply to each, and some claims may provide distinct avenues for recovery that a pure personal injury analysis would miss.

What happens if you miss Georgia’s injury filing deadline

Near-certain dismissal with no judicial discretion

When the statute of limitations expires on a personal injury claim, the defendant’s attorney will file a motion to dismiss. Georgia courts grant those motions with near certainty. There is no “good cause” exception, no extension for hardship, and no judicial discretion outside of the narrow statutory tolling provisions already discussed. The merits of your case become legally irrelevant the moment the deadline passes. Strong liability evidence, significant injuries, clear negligence, none of it matters after the clock runs out.

Georgia’s approach to limitation periods is strict by design. The statute serves important functions: it ensures cases are litigated while evidence is fresh, protects defendants from indefinite exposure, and promotes finality in legal disputes. Those policy goals do not bend when a plaintiff’s reasons for missing the deadline seem understandable. Courts apply the rule, not the equities.

What a missed deadline means for insurance negotiations

Even if a formal lawsuit was never filed, the statute of limitations affects your settlement leverage the moment it expires. Practically speaking, before the deadline, the insurance company faces the realistic threat of litigation if settlement negotiations fail. After the deadline, that threat disappears, and with it any incentive for the insurer to offer fair compensation. Insurance adjusters are well aware of when your two-year window closes, and they factor it into every negotiation.

A claim worth significant compensation the day before the deadline becomes worthless to the insurance company the day after. Adjusters are not bound by any duty to settle and face no legal exposure once the filing window closes. If you are still in active negotiations as the deadline approaches, you need an attorney to file a lawsuit immediately to preserve your rights. You can still settle after filing; you cannot recover anything after the deadline passes.

The one narrow avenue that occasionally applies

Rare circumstances exist where a tolling argument survives even when the general deadline appears to have passed. Fraudulent concealment of the deadline itself, active deception by the defendant about the existence of a claim, or a formally recognized legal disability that was genuinely present and unresolved may support such an argument. These arguments are genuinely difficult to win and require extensive litigation just to establish the right to litigate the underlying case.

No injured person should approach their case with the assumption that an exception will save them if they wait too long. Consulting an attorney early in the process, long before the deadline becomes urgent, is the only reliable strategy. Exceptions are safety nets with very small openings. They are not a substitute for timely action.

Steps to take right now to protect your Georgia injury claim

Calculate your actual deadline today

For most Georgia personal injury claims, the calculation is straightforward: the date of the accident plus two years. If a government entity is involved, the calculation changes, six months for a city or municipality, twelve months for a state agency or county. For wrongful death claims, the clock runs from the date of death. For medical malpractice, from the date of the negligent act or discovery, subject to the five-year repose.

Write your deadline on your calendar and set a reminder well in advance. Do not rely on memory, and do not assume someone else is tracking it. If you already have an attorney, confirm the deadline with them directly. If you are handling things on your own, stop. The consequences of a missed deadline are too severe to risk a miscalculation.

Preserve evidence before it disappears

Evidence in personal injury cases deteriorates quickly. Surveillance footage gets overwritten within days or weeks. Accident scenes change. Witnesses move, forget details, or become unavailable. Physical evidence disappears. Every day that passes between the incident and the start of a formal investigation is a day during which your case gets harder to prove.

Right now, gather and preserve the following:

  • Photographs and videos from the accident scene, your injuries, and property damage
  • The names and contact information of all witnesses
  • All medical records, treatment summaries, and billing documentation
  • Police reports, incident reports, or any official documentation of the event
  • Employer records and pay stubs documenting lost income
  • All written correspondence with insurance companies, including emails, letters, and claim numbers

Preserve everything. Do not delete texts, emails, or photos related to the incident. Do not post about your injury or recovery on social media. Insurance companies and defense attorneys routinely monitor plaintiff social media accounts, and a single ill-timed post can undermine an otherwise strong case.

Contact The Law Offices of Tee Okonkwo, P.C. before the clock runs out

Attorney Tee Okonkwo has extensive courtroom and trial experience helping Georgia injury victims calculate their deadlines, identify applicable exceptions, and file claims strategically before the filing window closes. The firm serves clients throughout Atlanta, Fulton County, DeKalb County, Cobb County, Gwinnett County, Clayton County, and surrounding communities across the state. If you need experienced representation from an Atlanta personal injury lawyer, the firm provides hands-on counsel.

A consultation with the firm is a practical legal check-up, not a sales pitch. You will get a straightforward assessment of your claim, a clear explanation of your deadline, and honest guidance about your options. Cases are not handed off to staff and managed by volume. Attorney Okonkwo is personally involved at every stage of representation, from the first call through trial if necessary.

If you have been injured in an accident, lost a family member due to someone else’s negligence, or are unsure whether you still have time to pursue a claim, call The Law Offices of Tee Okonkwo, P.C. today. Do not wait until the deadline is a week away. Options that exist today may be gone by then.

Conclusion

Georgia’s personal injury statute of limitations is two years under O.C.G.A. § 9-3-33, starting from the date of the injury in most cases. Wrongful death claims run from the date of death. Medical malpractice follows O.C.G.A. § 9-3-71 with a two-year limitations period and a five-year repose. Government claims require ante litem notice within six or twelve months, depending on the entity. Property damage carries four years under O.C.G.A. § 9-3-32. Every one of these deadlines is real, and every one is enforced.

Exceptions to these deadlines exist, but they are narrow, legally demanding, and never a reliable substitute for timely action. An injured Georgian who acts promptly, preserves evidence, and retains experienced counsel well before the deadline arrives is in an infinitely stronger position than one who waits and hopes an exception applies. The law gives you a window to pursue justice. That window closes whether you use it or not.

Remember: the statute of limitations Georgia injury victims face is two years under O.C.G.A. § 9-3-33, and it will not wait. If you or someone in your family has been seriously injured and you are not certain where your deadline stands, reach out to The Law Offices of Tee Okonkwo, P.C. for a direct consultation. The firm provides honest assessments and strong advocacy for injury victims throughout Atlanta and Georgia. Call today and get a clear answer before the clock runs out.