Who Cambre and Associates Are and What They Handle

Cambre and Associates is a law firm based in Atlanta that represents people injured in car accidents. The firm handles cases where you were hit by another driver, injured as a passenger, or hurt in a collision caused by someone else's negligence. They work on contingency, meaning you pay nothing upfront—the firm takes a percentage of any settlement or court award instead.

The firm's practice focuses on personal injury claims arising from vehicle collisions. This includes medical bill recovery, lost wages, pain and suffering damages, and property damage to your vehicle. They also handle cases involving uninsured or underinsured drivers, where the at-fault driver either has no insurance or insufficient coverage to pay your full claim.

Cambre and Associates operates in the Atlanta area and handles cases in Georgia state courts and federal courts when jurisdiction allows. They work with local medical providers, repair shops, and insurance adjusters, which means they understand the specific procedures and players in the Atlanta insurance market.

Key Takeaways

  • Cambre and Associates works on contingency, so you do not pay attorney fees unless they recover money for you through settlement or trial.
  • The firm handles injury claims from car accidents, including medical expenses, lost income, and pain and suffering—not just vehicle damage.
  • They represent clients in negotiations with insurance companies and in court if a settlement cannot be reached.
  • You should contact them soon after an accident, because evidence degrades and witness memories fade, making early investigation critical.
  • Georgia law sets time limits on how long you can file a lawsuit, so waiting too long can bar your claim entirely.

How the Contingency Fee Structure Works

When you hire Cambre and Associates on contingency, the firm advances the costs of your case—investigator fees, medical record requests, informed witness fees, court filing fees—and you repay those costs only if you win. The attorney's fee is typically a percentage of the recovery, often one-third of a settlement or court award, though this percentage may be higher if the case goes to trial or involves complex liability issues.

You should ask the firm in writing what percentage they charge, what costs they will advance, and which costs you are responsible for if the case is lost. Some firms charge a higher percentage if the case settles quickly versus if it requires litigation. Understanding these terms before you sign protects you from surprises later.

If the case is unsuccessful and no recovery is made, you owe the firm nothing for attorney time, but you may still owe the costs they advanced—medical records, filing fees, investigator time—depending on your fee agreement. Read your retainer agreement carefully and ask questions about any clause that makes you liable for costs.

What Happens During the Investigation and Claim Process

After you hire Cambre and Associates, the firm will gather evidence about how the accident happened. This includes police reports, photographs of vehicle damage and the accident scene, witness statements, traffic camera footage if available, and medical records documenting your injuries. The sooner you contact them, the better—witnesses move away, memories fade, and physical evidence at the scene disappears.

The firm will also obtain your medical records and bills from every provider who treated you for accident-related injuries. They will calculate your total damages: past medical bills, ongoing treatment costs, lost wages, and non-economic damages like pain and suffering. This calculation forms the basis of their demand to the insurance company.

Once the investigation is complete and your medical treatment has stabilized, the firm sends a demand letter to the at-fault driver's insurance company. This letter outlines the facts of the accident, your injuries, your damages, and the amount you are seeking. The insurance company then has a set period—usually 30 days—to respond with an offer or a denial.

Settlement Negotiations and When Cases Go to Trial

Most car accident cases settle before trial. After the insurance company makes an offer, Cambre and Associates will advise you whether the offer is fair based on comparable cases, your injuries, and the strength of liability. You have the final say on whether to accept any settlement offer. The firm cannot settle your case without your written consent.

If the insurance company's offer is too low and you do not accept it, the firm can file a lawsuit in Georgia state court. This triggers the discovery process, where both sides exchange documents, take depositions (recorded question-and-answer sessions), and prepare for trial. Discovery can take six months to over a year depending on the court's schedule and the complexity of the case.

If the case reaches trial, a jury or judge will hear evidence and decide whether the defendant was negligent and, if so, how much you should receive. Cambre and Associates will present your case, call witnesses, and argue for the damages you deserve. Trial outcomes are unpredictable, which is why many cases settle before reaching this stage.

Georgia's Time Limits for Filing a Lawsuit

Georgia law gives you two years from the date of the accident to file a lawsuit for personal injury. This important date, called the statute of limitations, is strict—if you miss it, you lose the right to sue entirely, even if you have a strong case. Insurance companies know this important date and sometimes use it as leverage in settlement negotiations, offering less money as the important date approaches.

The two-year clock starts on the date of the accident, not the date you hire an attorney or finish medical treatment. If you were injured on January 15, 2024, you must file a lawsuit by January 15, 2026, or your claim is barred. Cambre and Associates will track this important date and file suit if settlement negotiations stall.

You should contact a lawyer as soon as possible after an accident, even if you are not sure whether you will sue. Early contact ensures the important date is tracked, evidence is preserved, and you have time to investigate and negotiate without rushing.

What to Bring and Prepare Before Your First Consultation

Bring the police report number or a copy of the report itself. If you have photographs of the accident scene, vehicle damage, or your injuries, bring those. Collect the other driver's insurance information, driver's license number, and vehicle details if you have them. If there were witnesses, write down their names and phone numbers.

Gather medical records and bills from every doctor, hospital, urgent care, or physical therapist you visited after the accident. Include receipts for any out-of-pocket medical expenses, medications, or medical equipment. If you missed work, bring documentation of lost wages—a letter from your employer stating the dates you were absent and the amount of pay you lost.

Write a brief timeline of what happened: when the accident occurred, what you were doing, how the collision happened, and what injuries you felt when ready and in the days after. This narrative helps the attorney understand your experience and identify gaps in the evidence they need to fill.

How Cambre and Associates Handles Insurance Company Disputes

Insurance companies sometimes deny claims, offer unreasonably low settlements, or delay payment. Cambre and Associates negotiates on your behalf and, if necessary, files a lawsuit to force the insurance company to pay. The firm knows Georgia insurance law and the tactics insurers use to minimize payouts.

If the at-fault driver is uninsured or underinsured, Cambre and Associates can pursue a claim under your own insurance policy's uninsured/underinsured motorist coverage. This coverage is designed to protect you when the other driver cannot pay. The firm will file this claim and negotiate with your own insurer if necessary.

If an insurance company acts in bad faith—refusing to pay a valid claim, ignoring evidence, or delaying unreasonably—Cambre and Associates can file a bad faith lawsuit against the insurer. This is a separate claim that can result in damages beyond your original injury claim, including attorney fees and punitive damages in some cases.

Frequently Asked Questions

How long does a car accident case usually take?

straightforward cases with clear liability and moderate injuries often settle within three to six months. Complex cases with disputed fault or serious injuries can take one to two years or longer if they go to trial. The timeline depends on how quickly your medical treatment finishes, how responsive the insurance company is, and whether the case settles or requires litigation.

What if I was partially at fault for the accident?

Georgia follows comparative negligence rules. You can still recover damages even if you were partially at fault, but your recovery is reduced by your percentage of fault. If you were 20 percent at fault and your damages are $100,000, you would receive $80,000. Cambre and Associates will argue to minimize your assigned fault.

Do I have to go to court or testify?

Most cases settle without trial, so you may never step foot in a courtroom. If your case does go to trial, you will likely testify about your injuries and how the accident affected your life. The firm will prepare you for testimony and explain what to expect. You have the right to refuse any settlement and demand a trial, but the firm will advise you on the risks of doing so.

What if the other driver does not have insurance?

You can file a claim under your own uninsured motorist coverage, which is part of most auto insurance policies in Georgia. Cambre and Associates will file this claim with your insurer and negotiate on your behalf. If your policy limits are low, your recovery may be limited to that amount.

Can I still hire Cambre and Associates if I already settled with the insurance company?

Once you sign a release, you cannot sue for that accident. If you settled for less than your case was worth or did not understand the terms, you may have limited options. Contact the firm when ready if you are concerned about a settlement you already made—some releases can be challenged if you were not represented by an attorney.