What if the Driver Who Hit Me While I Was on My Bike Doesn’t Have Insurance?

Free Consultation

Helmet and bike lying in the road after an accident.After any bicycle/car accident, you should call 911 to report the accident, get prompt medical attention for your injuries, and exchange contact and insurance information with the vehicle driver. If they do not have insurance, get their name and contact info and contact a Georgia bicycle accident attorney. In many cases, there are other options for seeking compensation, such as:

Suing the Driver

Unfortunately, about 12.4 percent of motorists in the state are uninsured, sometimes for financial reasons or because of legal difficulties like repeated DUIs. A driver who doesn’t have liability insurance can be personally liable for any damages they cause in an accident, but this isn’t always a good option. If the driver has no significant assets and you have a large amount of damages, it may be difficult or impossible to collect an award even if you win in court.

Uninsured/Underinsured Motorist Coverage (UM/UI)

Did you know that uninsured/underinsured motorist coverage applies to any car accident you’re involved in, whether or not you’re in your own vehicle? Many people don’t know this, but UM/UI will cover accidents where you are a pedestrian, bicycle rider, or even a passenger on public transportation. UM/UI also covers hit-and-runs, so if the driver who hit you took off and the police can’t find them, you can still seek compensation from your own insurance.

Georgia law requires insurance companies to offer UM/UI coverage, but motorists can opt-out. Unfortunately, doing so could limit your options if you’re ever injured by an uninsured or underinsured driver, whether on a bike or in your car. While only buying liability insurance can lower your premiums, adding UM/UI will give you coverage in situations involving an uninsured driver.

Suing a Third Party

This isn’t an option in every case, but your lawyer will consider whether there are any potentially liable third parties for your situation. Some examples of third-party liability include:

  • Defective products or services. If a defective car component, bike part, or piece of safety equipment caused or contributed to the accident or made your injuries more severe, you might have a claim against the manufacturer. For example, if the strap on your bike helmet snapped, causing the helmet to pop off your head and fail to protect you from a head injury, you might have a case with the helmet manufacturer. Or if the car that hit you suffered an unexpected brake failure even though the car’s brakes had recently been serviced, you might have a case against the brake manufacturer or service provider.
  • Dram shop laws. Under Georgia law, there are some situations where a third party may be held liable for drunk driving accidents. Obviously, the drunk driver is usually the first person held liable, but if they are uninsured and have few assets, a lawsuit against them might be a waste of time and money. In these circumstances, you might be able to bring a case against a restaurant, bar, or club that overserved a patron who was already intoxicated. It will be necessary to prove that the server knew or should have known the patron was already inebriated and that they were likely to drive.

What Should I Do After I Get Hit by a Car While Riding My Bike?

First, always get medical attention for your injuries, even those that seem insignificant. Getting hit by a car while on your bike can be very traumatic, and for many people, the adrenaline rush suppresses feelings of pain for a little while. Additionally, some injuries may be more painful the next day, when inflammation and swelling can occur as the body tries to heal itself. Back or neck injuries can also be tricky and may not show symptoms for a few days. If you have any pain or increase in pain in the days or weeks after your accident, we recommend following up with your doctor.

If you’re able, take pictures of the scene, your bike, the damaged vehicle, and your injuries. Ask for the driver’s contact info and insurance card, but try to avoid arguing about fault or the fact that they don’t have insurance. We know the situation may be frustrating, but sometimes disputes can escalate. If the driver doesn’t want to show you their identification, let the police handle it. They are required to verify insurance coverage and identity at the scene of an accident.

The responding officer will ask you questions about the accident and what happened. You should answer honestly, but there is no need to volunteer information they don’t ask about. Never say that you think the accident was your fault – we’ve met many people who were mistaken about this, and erroneously admitting fault can complicate any insurance claim you file later.

Get a copy of the police report on your accident – this should become available within a week of the crash, sometimes sooner. The responding law enforcement agency may have instructions on obtaining a police report on its website. If not, you can call the department’s non-emergency line and ask how to get your report. Typically there is a small fee, usually around $5.

Contact the CEO Lawyer Personal Injury Law Firm to Learn More

Figuring out the next steps for obtaining compensation can be challenging. It’s a good idea to report the accident to your insurance company and tell them you were hit by an uninsured driver. Then, contact a Georgia car accident lawyer to discuss what you should do next. We may recommend filing a claim against your own insurance, or we might consider one of the other options.

The CEO Lawyer Personal Injury Law Firm was established by attorney Ali Awad and quickly became one of the fastest-growing law firms in the country. We work to help injured people get the compensation they need to cover damages like medical bills, lost income, pain and suffering, permanent disability or disfigurement, and more. Our firm works on a contingency basis, so if we take your case, we don’t charge any fees until we secure a settlement. You never have to worry about paying anything upfront because we want you to focus on your recovery. Your initial consultation is also free, and there is no obligation so that you can learn more about your options with no risk.

Find Out What Your Case Is Worth Here

Tell Us More About Your Injury Below So That We Can Get You The Most Money

All Fields Required *

Step 1 of 7

How did you get hurt?

How did you get hurt?(Required)

Frequently Asked Questions

After a personal injury, you're bound to have legal questions. The CEO Lawyer Ali Awad can provide you with answers to these questions, just as he's given answers to his millions of curious social media followers. Take a look at some of the most common personal injury law questions for general information, and then reach out to one of our seasoned attorneys for specific guidance on your case!

Contact us now (833) 254-2923.

Help Negotiating with Insurance Carriers

To quickly resolve matters following an accident, insurance companies will offer you less than you deserve in compensation for your injuries. Many victims feel pressured to accept these offers as the bills begin to pile up, but that is rarely a good idea. The insurance company is looking to protect its bottom line; and will offer injured victims less than they deserve. An experienced personal injury attorney understands how to negotiate with the insurance company and can look out for your best interests by getting you the compensation you deserve after an injury. If you or a loved one has been injured in an accident, it is important to avoid negotiating or providing recorded statements to the insurance company without first seeking help from a qualified personal injury attorney.

Do You Have a Personal Injury Case?

The best way to determine if you have a personal injury case is to speak with a knowledgeable attorney. Our legal professionals have the expertise to evaluate your case and determine a strong legal strategy so that you can obtain the greatest amount of compensation possible under the law. We will enlist investigators, assistants, and other specialists to collect accident reports, speak with witnesses to your accident, and put together a plan. While you focus on your physical recovery, we will remain committed to fighting for the compensation that you deserve.

Georgia's Personal Injury & Accident Firm

Accident victims have a limited time to file a personal injury lawsuit. This time period is referred to as the statute of limitations, and in Atlanta, it lasts only two years. This means that if you or a loved one has been injured in an accident, you have only two years to pursue a personal injury suit. If you wait too long to reach out to an experienced attorney, you might be forever barred from seeking the compensation you deserve.

What to Expect From Your Initial Consultation With a Personal Injury Attorney?

During your initial consultation with CEO Lawyer team, we will go over the important details of your personal injury accident, which include the nature and extent of your injuries, how your injuries have impacted your ability to earn a paycheck, the cost of your medical treatment, and whether further medical treatment will be required. We will answer any questions you might have, as well, in regards to our experience, our track record of success, and what to expect from the legal process. Many personal injury victims wonder if they will be able to afford the legal fees required to pursue a lawsuit. CEO Lawyer injury and accident attorneys will not ask for any type of upfront fee unless we are successful in obtaining compensation for you. That means that if you have been harmed in a motor vehicle accident, slip and fall accident, defective product accident, or any other type of personal injury accident, you can absolutely afford to contact our law office today for assistance. In fact, you cannot afford to wait. Reach out today. We understand that some accident victims might have already obtained the assistance of an attorney but may be dissatisfied with the services provided. We are standing by and prepared to help you change legal representation, regardless of where you are in the process.

Speak to an Experienced Personal Injury Attorney Today

If you or a loved one has been injured in any type of personal injury accident, you should not hesitate to speak with the experienced attorneys at CEO Lawyer personal injury law firm. Call, email, or fill out our online contact form today so that we can begin helping you pursue the compensation you deserve.