If you find yourself facing a long recovery time after a driver hit you on a Georgia roadway, your first thought will likely be to file a claim with that driver’s insurance company. In Georgia, liability coverage pays for damages that the policyholder causes to another driver.
Unfortunately, many drivers in Georgia and across the United States fail to carry auto insurance. If the driver who hit you does not have a liability policy, it can complicate your ability to obtain compensation.
That is where an Alpharetta uninsured motorist accident lawyer can help with your case. The team at Bader Scott Injury Lawyers understands how to navigate auto insurance laws and collision cases. If you hire us, we will fight for your right to receive the compensation you deserve, whether through a different insurance policy or a lawsuit. Call us at (404) 888-8888 for a free case review today.
Insurance Coverage Requirements in Georgia
Even though the Official Code of Georgia Annotated §40-6-49 states that drivers in Georgia must carry proof of a current auto insurance policy at all times, it is possible that some drivers will choose to violate the law and not maintain coverage.
The Insurance Information Institute (III) estimates that in 2015, about 12% of Georgia drivers did not carry auto insurance. There may be different reasons for this. Perhaps the driver cannot afford auto insurance, so he or she decides to take a chance and not pay for a policy. The driver may also have trouble obtaining a policy for various reasons.
Either way, the driver who is not carrying active auto insurance places other drivers on the road at a financial disadvantage if a collision with injuries occurs. Without the proper level of insurance, the responsible driver may not have the financial ability to pay for the medical bills, pain, and suffering that the injured parties deserve.
Carrying Uninsured Motorist Coverage
To guard against the possibility of an uninsured motorist causing significant financial harm to others on the roadway, OCGA §33-7-11 requires insurance carriers to offer coverage for uninsured and underinsured motorists (UM/UIM) with all auto policies.
UM/UIM coverage will pay for your medical bills, lost wages, and potentially some other damages when the other driver does not have the proper amount of coverage or has no policy at all. While UM/UIM is technically not mandatory, drivers must sign a waiver to opt out of this coverage.
For a free legal consultation with a uninsured motorist accidents lawyer serving Alpharetta, call (404) 888-8888
Why Uninsured Motorist Cases Are Complex
When you are searching for an auto insurance policy to purchase, you are probably focused on the cost of the policy per month and what level of deductible you have in case of a collision. Not many people focus on the levels of UM/UIM coverage in the policy.
This can lead to some confusion, should you ever need to use this coverage after a crash. You may not fully understand how this coverage works or any payout limitations that exist. In this event, it can be helpful to have an attorney on your side who can navigate the claims process on your behalf.
For example, you will still need to present evidence to your insurance company regarding the accident in order to activate your UM/UIM coverage. This involves showing that the driver caused the accident due to negligence and lacked insurance at the time of the collision. It is possible your insurance company will deny your claim or not offer enough coverage for your injuries and losses. In this case, you may have to file a personal injury lawsuit against the driver to receive damages.
If you hire an Alpharetta uninsured motorist accident lawyer to protect your interests, you will not need to navigate this process alone. The team at Bader Scott Injury Lawyers can help you understand the situation you may be facing after an uninsured driver caused your collision. We will look at all potential options for pursuing compensation on your behalf.
Call us at (404) 888-8888 for a free review today.
When UM/UIM Coverage Applies
The majority of claims involving UM/UIM coverage occur because the negligent driver did not have any liability auto insurance coverage. However, there are a couple of other instances in which you may need to make use of this aspect of your policy. These include:
- Accidents with drivers who do not have enough coverage to meet your medical bills.
- Hit and run accidents in which you are unable to identify the driver who caused your injuries.
Alpharetta Uninsured Motorist Accident Lawyer Near Me (404) 888-8888
Let an Alpharetta Uninsured Motorist Accident Lawyer Help You
When you experience a car accident due to another driver’s negligence, the last thing you want to be facing is a situation in which the driver who hit you is not carrying liability insurance. Situations like this require you to pursue other avenues for compensation to cover your damages, which can take time and energy you do not have while recovering.
At Bader Scott Injury Lawyers, we can help to remove some of your stress by taking over multiple aspects of your case. If you choose to hire us, we can handle the negotiations with the insurance companies involved in your case, leaving you more time to heal and focus on your family.
As an Alpharetta uninsured motorist accident lawyer, you can count on us to help you fight for the fairest possible settlement. We work on a contingency fee basis, which means we do not receive payment until you do. For a free consultation, contact us today at (404) 888-8888.