A car crash in Georgia is always a stressful experience, but car accidents with uninsured drivers add an extra layer of complexity and frustration. If you are in a car accident with an uninsured driver, it’s important to understand your rights and options.
You could sue the at-fault driver personally. However, the uninsured driver may not have the assets to pay even if you win your car accident case. You can also file a claim with your insurance company if you have uninsured/underinsured motorist insurance.
At Horst Shewmaker, we’re committed to helping car accident victims in Alpharetta and across Georgia recover fair compensation. Contact us today for a free case review!
Georgia Auto Insurance Requirements
Georgia law requires all vehicle owners to carry liability insurance. The minimum coverage requirements are:
- $25,000 for injury or death of one person
- $50,000 for total injuries or deaths in a single accident
- $25,000 for property damage
These minimums are designed to cover medical bills, property damage, and other costs incurred by victims in accidents caused by the policyholder. However, it’s important to note that these minimum amounts may not be sufficient in cases of severe accidents or multiple injuries.
According to a 2023 study by the Insurance Research Council, 14 percent of motorists, or about one in seven drivers, were uninsured in 2022.
Georgia road users face an outsized risk due to what’s known as the “Florida Factor.” Florida has a significantly higher rate of uninsured drivers, and given Georgia’s proximity to Florida, this increases the likelihood of encountering an uninsured driver on Georgia roads.
Penalties for Driving Uninsured in Georgia
Despite the legal requirement, some drivers choose to operate their vehicles without insurance. This decision can lead to severe penalties, including:
- Suspension or revocation of vehicle registration
- Fines
- Denial of registration renewal or reinstatement
Moreover, uninsured drivers who cause accidents may be personally liable for all damages.
What to Do After a Car Accident With an Uninsured Driver
If you’re involved in a car accident with an uninsured driver, take the following steps:
- Remain calm and call 911 to report the accident. The police report will be important evidence.
- Obtain the other driver’s contact information. Take photos of the accident scene and any visible injuries.
- Ask for the names and contact information of any witnesses.
- Seek medical attention immediately, even if you don’t feel injured.
- Notify your insurance company about the car crash.
- Contact an experienced personal injury attorney as soon as possible.
Options After Car Accidents With an Uninsured Driver
If you’re hit by an uninsured driver in Georgia, you have several potential avenues for seeking compensation. If you have UIM coverage, you can file a claim with your insurance provider. You can also file a personal injury lawsuit against the at-fault driver directly.
Uninsured Motorist Coverage
While not mandatory in Georgia, uninsured/underinsured motorist (UIM) coverage is a good investment. UIM coverage helps pay for damages if the at-fault driver is uninsured or doesn’t have adequate insurance. If you have uninsured motorist coverage/underinsured motorist insurance, it can help cover:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
You must have UIM coverage in place at the time of the accident for it to apply.
Collision Coverage
Collision coverage is another type of auto insurance that’s beneficial if you’re in a crash with a hit-and-run or uninsured driver. It helps pay for damage to your car in a collision, regardless of who is at fault.
Medical Payments Coverage
Depending on your policy, you might be able to use other types of coverage, such as medical payments (MedPay) or personal injury protection (PIP) insurance.
Medical payments coverage, or “MedPay,” is another type of added coverage to an auto insurance policy. This add-on covers medical costs if you or your passengers are injured in a car wreck. MedPay comes in handy when paying off large deductibles or co-pays that your regular health insurance may not cover.
Personal Injury Lawsuit
You may be able to file a lawsuit directly against the at-fault driver. However, keep in mind that uninsured drivers often lack significant assets, which can make recovering damages challenging. Talk to a Georgia car accident attorney to understand your options.
Helping Victims of Uninsured Driver Accidents
At Horst Shewmaker, we understand the complexities of car accident cases involving uninsured drivers. Our experienced team of personal injury attorneys is dedicated to fighting for the rights of accident victims throughout Georgia. Here’s how we can assist you.
Thorough Investigation
We will conduct a comprehensive investigation of your accident, gathering crucial evidence to build a strong case on your behalf. This includes collecting phone records, witness statements, police reports, and any other relevant information.
Skilled Negotiation
Insurance companies often try to minimize the compensation they pay to accident victims. Our attorneys are skilled negotiators who will advocate fiercely for your rights and push back against lowball settlement offers.
Courtroom Representation
If a fair settlement cannot be reached, we are prepared to take your case to trial. Our experienced litigators will fight tirelessly to secure the maximum compensation for your injuries.
We understand that a car accident can be a traumatic experience. Our team will provide compassionate support throughout the legal process, handling all aspects of your case so you can focus on your recovery.
Don’t Miss the Deadline for a Car Accident Lawsuit
Georgia’s statute of limitations law sets a time limit for personal injury claims, including car accident cases. Generally, you have two years after a car accident to file a lawsuit. However, it’s crucial to act quickly.
Evidence can disappear or degrade, and witnesses’ memories may fade. Contacting our personal injury attorneys quickly after your accident gives us the best opportunity to build a strong case on your behalf.
Why Choose Horst Shewmaker?
At Horst Shewmaker, we pride ourselves on our commitment to client service. Our team has a proven track record of success, having recovered millions of dollars for clients in Georgia. We approach each case with the same level of dedication and personalized attention, treating every client as if they were a member of our own family.
Contact Our Alpharetta Car Accident Lawyers Today
Being involved in an accident with an uninsured driver in Georgia can be a complex and frustrating experience. However, you don’t have to face this challenge alone. At Horst Shewmaker, we have the knowledge, experience, and resources to help you navigate the car accident insurance claim process and fight for the compensation you deserve.
We offer a free consultation to discuss your case. Time is of the essence in car accident cases. Call (404) 400-1175 or contact us online today. Let our experienced Alpharetta personal injury attorneys fight for your rights and help you on the path to recovery.
