Georgia law requires that motorists carry a minimum amount of insurance to protect other drivers on the roads in case of an at-fault collision. However, this does not mean that every driver on the roads in the state follows the law.
According to a 2015 study of all drivers in the United States from the Insurance Information Institute (III), roughly 13% of American motorists did not carry any insurance or the proper level of insurance to meet their local state laws.
If a driver who hit you and caused injuries did not have the proper insurance on his or her motor vehicle, you may want to contact a Carrollton uninsured motorist accident lawyer. At Bader Scott Injury Lawyers, we will work to help you receive the damages you deserve after this type of crash. Contact us at (404) 888-8888 for a free case review today.
Why a Driver May Not Carry Insurance
Although the majority of drivers in the State of Georgia carry the required insurance as they operate their motor vehicles, some drivers do not. The following are reasons why a driver may choose not to purchase auto insurance:
- Too costly: A driver who cannot afford insurance may choose to drive without it and take his or her chances.
- Increase in cost: A driver who has traffic tickets or has been in past accidents will see a significant increase in his or her insurance premium.
- Lack of understanding: A driver who has newly moved to Georgia may not understand the type of insurance he or she must carry to legally operate a motor vehicle in the state.
- Lapsed coverage: A driver’s insurance may have lapsed without his or her knowledge.
- Purposeful choice: A driver who believes he or she always drives safely may not see the need to purchase insurance.
Proper Insurance Coverage in Georgia
For a free legal consultation with a uninsured motorist accidents lawyer serving Carrollton, call (404) 888-8888
According to the Georgia Office of the Commissioner of Insurance and Safety Fire, all drivers in the state must carry at least the minimum levels of liability insurance. Typically, this insurance applies if the policyholder is found to be at fault in an accident. The money helps injury victims in the crash with their medical bills, lost wages, and emotional trauma.
Consequently, if the driver does not have the proper insurance, he or she will potentially leave victims in the crash without the financial benefits they deserve.
Carrollton Uninsured Motorist Accident Lawyer Near Me (404) 888-8888
You do have a few options if an uninsured motorist hit you and caused injuries, however. A Carrollton uninsured motorist accident lawyer from our office can help you find the best way forward, which may include tapping your own insurance coverage. Contact Bader Scott Injury Lawyers today at (404) 888-8888 for a free consultation.
Moving Forward with an Uninsured Motorist Claim
Since some drivers operate without insurance, auto insurers have an option as part of your own coverage to help you should an uninsured motorist hit your car and cause injuries.
This type of coverage is called uninsured motorist coverage and underinsured motorist coverage, sometimes shortened to UM/UIM. Even though these two types of coverage are often discussed together and listed together in a policy, they are different types of coverage. Uninsured motorist coverage focuses solely on a driver who does not have any insurance.
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Before the uninsured motorist coverage on your own policy kicks in, you and your attorney may attempt to bring a personal lawsuit against the driver of the other vehicle, seeking to obtain payment for your medical bills, lost wages, pain, and suffering from the uninsured driver’s personal finances.
When you have to use your uninsured motorist coverage, it will work similarly to the liability insurance coverage that another driver would have. You would receive compensation for your medical bills and other damages. In some cases, your attorney may be able to win a judgment for you that encompasses both the other driver’s personal finances and your uninsured motorist coverage.
Securing Damages After an Accident
When you are struck by a motorist who does not have the appropriate insurance coverage, you may believe that your auto insurance company will take care of you, providing you with compensation for all of your damages. Unfortunately, this does not always happen.
You may find that your insurance company disputes your injury claim or offers less coverage than you were expecting. If this occurs, you may want to hire a Carrollton uninsured motorist accident lawyer to guide your case.
Proving Your Injuries
You may have to prove the levels of injury that you suffered, along with showing what kind of future damages you are facing to secure compensation. Your attorney can help you present your case to the insurance adjuster, using the facts to show what you deserve to receive in terms of financial compensation.
An important piece of information in your case will come from the medical reports that your doctors present. It is important that you follow the advice of the doctor throughout your recovery, attending all appointments and therapy sessions. This approach will allow you to receive an accurate prognosis, which helps to estimate your future care needs.
Seeking Help with Your Injury Case
There is nothing in Georgia law that forces you to hire an attorney in a case like this, but you may be left with no choice if you are struggling to receive the compensation you require.
The team at Bader Scott Injury Lawyers is ready to work hard on your behalf, seeking the fairest possible settlement. We work on a contingency fee basis, which means you do not need any money upfront to hire us to represent you. Our payment will come from a percentage of the final settlement in the case.
Call us at (404) 888-8888 as soon as possible for a free review of your circumstances.