Getting in a car accident is confusing enough without having to wonder what to do if I get in an accident without insurance. However, estimates reported by the Insurance Information Institute (III) state 12% of drivers in Georgia are not insured. You may unknowingly wind up in an accident with a driver who has not fulfilled this legal obligation. When you get in an accident, and the liable party is not insured or is underinsured, you will most likely need to rely on your own uninsured or underinsured motorist coverage.
Georgia’s Minimum Insurance Requirements
By law, every commuter must maintain minimum liability insurance requirements to drive on Georgia roads and highways, according to Georgia’s Office of Insurance and Safety Fire Commissioner. The minimum requirements are as follow:
- Bodily injury liability of $25,000 per person
- Bodily injury liability of $50,000 per accident
- Property damage liability of $25,000 per accident
Liability insurance covers the damages you cause to another person due to your own negligence. Therefore, if someone else’s negligence caused your accident, you should be able to file a claim against their liability insurance. However, if the at-fault party does not have insurance, you may have to turn to your own auto insurance.
For a free legal consultation, call (404) 888-8888
Uninsured Motorist Coverage in Georgia
Georgia insurers are required to offer uninsured motorist coverage and underinsured motorist coverage. Uninsured motorist coverage provides coverage for cases where the at-fault driver had no liability insurance. Underinsured motorist coverage provides coverage for cases in which the at-fault driver’s insurance was not sufficient to cover the victim’s damages. Unless you signed a document stating that you did not want uninsured or underinsured motorist coverage, you probably have these types of insurance as part of your auto insurance policy.
These types of insurance policies are add-on policies because you add them on to your other auto insurance. Uninsured and underinsured insurance can provide coverage in cases involving:
- Accidents caused by drivers with no insurance
- Accidents caused by drivers whose own insurance companies have denied the claim
- Accidents caused by drivers who carry a minimum amount of insurance that is not sufficient to compensate for all of your injuries or property damage
- Hit-and-run accidents in which you do not know who the at-fault driver is
- Pedestrian or cycling accidents
This type of insurance pays for your covered damages, up to the amount of the policy.
Many accident victims have never before been involved in a car accident and may not understand the claims process or their own insurance coverage. An uninsured motorist car accident lawyer can review your policy and help determine what coverage may be available to help you.
How an Attorney Can Help with Uninsured Motorist Claims
If you suffer injuries from an uninsured driver, an uninsured motorist car accident lawyer can help you file a claim for recovery. Legal services would include:
- Reviewing the accident report to determine liability and all potentially liable parties
- Interviewing eyewitnesses
- Communicating with the at-fault driver’s insurance company (if any) as well as your own insurance company
- Gathering evidence at the scene of the accident, from your medical records, and/or from other sources
- Calculating the full extent of your damages by reviewing your medical bills, employment documentation, and other evidence
- Reviewing your insurance policy to determine what coverage is available
- Negotiating a fair settlement with the insurance company that is involved in your claim
- Advising you of your legal options regarding suing the at-fault driver or another party, such as his or her employer if the accident happened while the driver was completing a work task
A personal injury lawyer can help you secure compensation for the damages that you have sustained. We do not believe that you should have to face financial distress or a confusing claims process because of an accident that was caused by someone else’s negligence.
Contact Us for Help with Your Uninsured Motorist Claim
Now that you have the answer about what to do if I get in an accident without insurance, you may need legal assistance to help with your uninsured motorist claim. Our lawyers are committed to helping you obtain maximum compensation for your claim. We can help you recover compensation while you focus on recovering from your injuries. We also advise you not to wait too long as the state’s statute of limitations under the Official Code of Georgia Ann. § 9-3-33 typically only allows two years to file a lawsuit.
To learn more about how we can help with your uninsured motorist claim, contact Bader Scott Injury Lawyers at (404) 888-8888. We do not charge a cent for attorney fees unless we are able to successfully recover compensation for your claim.