Georgia is a fault accident state, which means that drivers must pay for the damages of any victims in car accidents they cause. To uphold this financial responsibility, Georgia law requires drivers to carry minimum amounts of liability insurance. Unfortunately, not all drivers carry this mandatory coverage.
If you are in an accident with an uninsured driver, you may wonder what your legal options are. While you may not be able to file a claim against the driver’s insurance policy, you still have options to recover compensation for your injuries.
Under Georgia law, at-fault drivers must carry insurance to pay for the medical expenses, lost wages, and other damages that their victims sustain. All drivers must carry the following minimum amounts of liability insurance.
Drivers can choose to purchase higher amounts of insurance if they choose. In addition to liability insurance, Georgia drivers can choose to purchase uninsured/underinsured (UM/UIM) insurance coverage. This policy pays for your medical expenses, lost wages, and other damages in case the at-fault driver either does not have insurance or does not have sufficient insurance.
Georgia does not require drivers to carry UM/UIM insurance, but it does require drivers to opt out of this coverage in writing. You may have UM/UIM insurance built into your insurance policy. As soon as possible after your accident, bring your insurance details to an attorney for review.
The moments after an accident with an uninsured driver can be scary, but they are important for your future UM/UIM claim. Take the following steps to preserve evidence and receive the help you need.
Not all drivers have UM/UIM insurance. If you do not have this coverage, you could pursue compensation if you have other forms of coverage, such as collision coverage or personal injury protection (PIP) insurance. Alternatively, you could file a personal injury lawsuit against the at-fault driver. However, many uninsured drivers do not have the financial ability to pay for your damages out of pocket, and you may be unable to recover compensation through the lawsuit process.
If you are in an accident with an uninsured driver, speak to a Georgia car accident attorney as soon as possible. Your lawyer will explain your legal options and strategize your next steps to recover maximum compensation.