Got in a car accident? What do you do next? In Georgia, navigating the aftermath of an accident caused by an uninsured driver can feel like a nightmare—but it doesn’t have to be. In this blog, we’ll break down exactly how to protect yourself, explain uninsured motorist coverage, and show you how easily you can connect with a skilled attorney through Consumer Help Group’s trusted network,
Can You Seek Compensation for an Accident with an Uninsured Driver in Georgia?
Car accidents can be costly and cause long-lasting physical and emotional damage to the victims. Medical bills, property damage, and lost wages can quickly add up—especially if the other driver is uninsured.
You might not believe it but there are millions of drivers in the US who drive without insurance.
If the drivers choose to drive without car insurance then they should be aware that accidents caused by them can still cause severe financial crises to others involved in the accident.
Filing an uninsured motorist lawsuit is stressful, but having a competent advisor can help reduce the burden and ensure you receive the compensation you deserve.
What Challenges You Can Face When Dealing With An Uninsured Driver?
Following is the list of challenges that you might face when dealing with an uninsured driver:
- Lack of Immediate Insurance Coverage
If you are a victim in an accident caused by an uninsured driver then you must know that an uninsured driver can not provide you with immediate monetary support because they have no insurance. If you have sustained injuries from the accident then you must contact your own insurance company or navigate other legal options for getting your deserved compensation.
- Complex Litigation
Suing an uninsured driver is a complex and lengthy legal process.
You have to prove that the fault of the other driver caused the accident. To prove this you require valuable evidence that includes copies of police reports, witness statements, and expert testimonies.
- Lengthy Collection Process
It may take a while to collect damages even if you win the case.
This happens when the uninsured driver does not have assets or enough money to cover the full compensatory damages the court has awarded you with.
- Mental Health Impact
It is extremely traumatizing to be involved in an accident and the cause of being an uninsured driver adds more to the stress which further causes emotional distress.
You may experience anxiety, depression, or other mental health problems because of this.
- Practical Challenges
You may struggle to pay for healthcare or fix your car for the time being because of not having insurance. This greatly impacts your daily life routine.
Uninsured Motorist Coverage
Uninsured Motorist (UM) Coverage is a type of auto insurance that is optional. It is for protecting you when involved in an accident with an uninsured driver.
This car insurance policy is critical in helping cover the costs associated with the accident when the uninsured driver is unable to pay due to a lack of sufficient financial balance.
Georgia offers two types of UM coverage which are mentioned below:
- Add-On Coverage: This UM coverage adds to the uninsured driver’s liability coverage.
- Reduced (Difference in Limits) Coverage: This UM coverage only covers the difference between your UM coverage limit and the uninsured driver’s liability limit.
If your UM coverage limit is higher, only the difference up to your UM limit is paid.
Georgia has to offer UM coverage to insurance companies necessarily, but drivers are not required to purchase it.
What Is The Process Of Filing Uninsured Motorist Claims?
There are several steps that you have to take when filing an uninsured motorist claim:
- First, report the accident to your own insurance company and provide them with all proper details which include the accident scene, medical bills, and lost wages.
- Second, your insurance agent then investigates your claim and determines the severity of your coverage under your uninsured motorist policy.
- In the end, an experienced car accident attorney assists you in navigating the process, making sure that your case meets all the requirements and deadlines to maximize your compensation.
The Role of a Personal Injury Attorney
It is very important for you to hire a personal injury attorney who is competent enough in dealing with an uninsured driver.
The attorney you hire must be efficient in the following aspects:
- Knowledge of Georgia Laws
- Maximizing Compensation
- Legal Expertise
Dealing with a car accident caused by an uninsured driver can be hard and overwhelming, especially if you have sustained injuries. At Consumer Help Group, we are well aware of your frustration and emotional grind of being involved in an accident with an uninsured driver. Our consultations can lead you to your required personal injury attorney who has specialized in helping victims recover their deserved compensation for the injuries and damages suffered from a car accident. You can fill out a form at our website and get help to connect with a legal organization where you can learn more about your legal actions and options.
