It is common knowledge that when you get into a car accident, you are required to pull over and exchange insurance information with the other driver. But what happens if you find out that the other driver doesn’t have any insurance? What happens next? With all of the stress you are dealing with, wondering who will pay for your medical bills and vehicle repair costs is an added layer of stress that you don’t need. In this blog, we’ll give you a brief overview of what you need to know in this situation.
In Georgia, drivers are required to carry bodily injury coverage of at least $25,000 per person/$50,000 per accident, as well as property damage liability insurance of at least $25,000 for one incident. It is against the law to drive without insurance, but many drivers still choose to ignore the law for one reason or another.
If you are involved in an accident with an uninsured driver, you will likely have to rely on your own Uninsured Motorist (UM) insurance coverage to pay your damages, which may include property loss, vehicle damage, lost wages, pain and suffering, and more. This coverage is also useful in hit and run accidents in which the at-fault driver cannot be identified. If you make a claim through this coverage, you don’t have to worry about an increase in your premiums.
In cases involving serious personal injury, it may be possible to file a personal injury lawsuit against the negligent driver. However, it is important to remember that if the driver didn’t have enough money to pay for insurance in the first place, they likely will not be in a position to pay out a verdict or settlement. It is thus critical that you consult with an experienced car accident attorney who can assess your case and determine which legal option will be of most benefit to you.
At Hartman-Imbriale, LLP, we have extensive experience handling car accident cases in Woodstock. If you have been involved in an accident with an uninsured driver or a driver without sufficient insurance, please contact our firm to learn more about how you can seek compensation. With decades of combined experience, we have the resources, skill, and passion necessary to give our clients the best chance of securing maximum compensation.
Contact us today to speak with a Woodstock car accident attorney for free: (678) 647-7220.