If you are hit by a negligent motorist, 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. However, you have other options to pursue the compensation you deserve.
One of Our Uninsured Motorist Accident Lawyers Is Here to Help
An Alpharetta uninsured motorist accident lawyer from our firm 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.
We will tackle every part of your case while you prioritize your health and wellbeing. You should not have to deal with this especially stressful situation alone. Instead of doing research on your own, we’ve got you covered and are ready to represent you. We will fight to recover your damages and get your feet back on the ground.
For a free legal consultation with a uninsured motorist accidents lawyer serving Alpharetta, call (404) 888-8888
Insurance Coverage Requirements in Georgia
Even though O.C.G.A. § 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, and more 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, O.C.G.A. § 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.
Alpharetta Uninsured Motorist Accident Lawyer Near Me (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 one of our attorneys 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.
Your Insurer May Deny Your Claim
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 from our firm to protect your interests, you will not need to navigate this process alone.
We can file your claim and take your case to court if necessary. We will first negotiate for a substantial settlement, but if the claims adjuster does not agree to a fair payout, we will litigate the case with no hesitation.
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.
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.
Damages You May Be Entitled to Collect in an Uninsured Motorist Accident
There are many economic and non-economic damages you may be able to recover in this type of accident. These damages include:
- Property damage
- Pain and suffering
- Medical expenses
- Lost income
- Diminished earning capacity
- Short-term or long-term disability
- Mental anguish
- Loss of enjoyment of life
We will calculate your damages, find out the amount of compensation you are owed, and fight for that. You deserve to move on from this situation as comfortably as possible.
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Let Our Uninsured Motorist Accident Lawyer in Alpharetta 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 all 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.
Call Today for Your Free, No-Risk Consultation
As uninsured motorist accident lawyers, 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.