If you suffered a serious injury in a car accident, your long road to recovery could be stressful. This stress is likely amplified if you learn that the driver that caused the accident does not have liability insurance coverage. Unfortunately, uninsured motorists are a common problem. The Insurance Information Institute (III) estimates that roughly 12 percent of all drivers in Georgia lack auto insurance.
Holding an uninsured driver responsible for an accident can be challenging. While you have the right to pursue legal action against them, many uninsured drivers lack the assets necessary to cover your bills. The good news is that depending on your insurance policy language you may be able to pursue a claim for compensation with your insurance carrier.
However, the odds are good, that your insurance company will push back against paying your claim any way they can. When this happens, an East Point uninsured motorist accident lawyer may be able to help. To learn more about your legal rights, call (404) 888-8888 to schedule a free consultation with Bader Scott Injury Lawyers.
Insurance Requirements for Georgia Drivers
Like all states, Georgia requires drivers to take financial responsibility for any damage they cause to other motorists in an accident. Specifically, the state requires motorists to maintain minimum levels of liability insurance coverage. This liability insurance protects the insured driver from claims for compensation from other motorists.
The minimum levels of liability insurance required under state law are governed by O.C.G.A. § 33-7-11. Remember, these limits are the bare minimum coverage mandated by law. Many drivers choose to maintain much more robust liability insurance policies. These minimum coverage levels include at least:
- $25,000 per person injured in a crash
- $50,000 for total bodily injuries for two or more persons injured in a crash
- $25,000 in property damage per accident
Unfortunately, not all drivers keep this required insurance coverage. Some motorists let their policies lapse and others drive without ever obtaining the necessary insurance coverage.
These minimum levels of compensation are often insufficient to cover the expenses of a person injured in an accident. Insurance companies are only responsible for the cost of an accident up to the policy limits. This means a driver with minimum coverage levels that causes $50,000 in property damages is personally liable for half of that amount.
Uninsured Motorist Coverage
Georgia law also requires insurers to offer every motorist uninsured motorist coverage (UIM) with each liability policy. UIM coverage differs from liability coverage in that it pays benefits to the holder of an insurance policy when they are injured in an accident with an uninsured driver. This type of coverage also fills the gaps when the other driver has insurance that is inadequate in covering the full value of your claim.
While state law requires insurers to offer UIM coverage as part of every liability policy, this type of coverage is not mandatory. Insurance policy holders have the right to waive UIM coverage in writing. As UIM coverage usually raises monthly insurance premiums, many policyholders elect to waive this coverage.
Policyholders should think twice before waiving UIM coverage as UIM coverage usually mirrors the amount of liability insurance the driver carries. For example, many drivers also hold $25,000 per injury, $50,000 per accident, and $25,000 in property damage coverage in their UIM policies.
After an accident, your East Point uninsured motorist lawyer can help you determine if your policy includes UIM coverage. If it does, the team at Bader Scott Injury Lawyers can assist you in pursuing a claim with your insurance provider. To get started, schedule your free consultation by calling (404) 888-8888.
For a free legal consultation with a uninsured motorist accidents lawyer serving East Point, call (404) 888-8888
What to Do Following an Accident with an Uninsured Motorist
The steps you take following a collision with an uninsured driver will largely depend on the type of insurance coverage you have. If your policy contains UIM coverage, your best option will likely be to file a claim on that policy. If you do not have UIM coverage, you may be limited to pursuing a lawsuit directly against the other driver.
Given the importance of your policy language, your first step should always be to identify the types of coverage that are available to you. After evaluating your policy, you will need to take active steps to protect your legal rights following a crash.
If You Have UIM Coverage
The steps following an accident with an uninsured driver are straightforward if you have UIM coverage. You simply need to notify your carrier of the accident and file a claim. These steps might be complex, but your attorney can do the heavy lifting throughout the claims process.
If You Lack UIM Coverage
You are not out of options if you lack UIM coverage. However, it is important to note, that without UIM coverage your avenues to obtain the compensation you need could be limited. Most drivers that lack adequate liability insurance also lack the personal wealth needed to cover your bills. In some cases, the driver that caused your crash could be virtually judgment proof.
However, your attorney’s ability to identify and collect assets from the at-fault driver could surprise you. Never assume that pursuing legal action against the responsible party won’t be worth it.
East Point Uninsured Motorist Accident Lawyer Near Me (404) 888-8888
Recover Compensation Following a Collision with an Uninsured Motorist
There is no need to panic when you learn the driver responsible for your accident lacks insurance. If you have UIM coverage, the attorneys of Bader Scott Injury Lawyers can assist with pursuing a claim for the damages you need.
Likewise, our team of skilled attorneys can help you hold the uninsured driver accountable through a personal injury lawsuit. To discuss your legal options with our team, call (404) 888-8888 to schedule your free consultation with an East Point uninsured motorist accident lawyer.