What Happens After an Accident With an Uninsured Driver in Georgia?

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A damaged parked car sits in front of a house.The aftermath of any car accident may include injuries, pain, medical bills, car repair costs, missed work, and other disruptions to your life. But a car accident with an uninsured driver may be even more distressing, as you don’t know if or how you’ll be able to extract compensation for these losses. Fortunately, some options are usually available to you, depending on your circumstances.

A Georgia car accident lawyer can shed some light on the possibilities for your case, as well as take steps to help preserve your legal rights. Attorney Ali Awad is committed to fighting for his clients after an accident. Just a few years ago, he founded the CEO Lawyer Personal Injury Law Firm and quickly transformed it into one of the fastest-growing law firms in the country. Meanwhile, Mr. Awad takes the time to give entertaining yet practical legal advice to more than a million followers on social media. If you have concerns about being injured in a car accident, the next best step you can take is to contact the CEO Lawyer Personal Injury Law Firm for a free consultation about your case.

What Do I Do After a Collision With an Uninsured Motorist?

Being in an accident due to someone else’s negligence is frustrating enough on its own. You may be injured, possibly to the point of having to miss work, and your bills aren’t going to pay themselves. Then there’s the damage to your car, which isn’t cheap either. For many people, the knee-jerk reaction is to feel fear and stress at the thought of being left to pay for all these expenses. But try to stay calm, and contact an attorney as soon as possible because there may still be ways to get some or all of your damages covered. Let’s take a look at some possibilities:

Uninsured or Underinsured Motorist Coverage: Don’t Leave Home Without It

You never know when you’re going to get in a car accident, let alone with an uninsured driver. Uninsured/underinsured motorist coverage (UM/UI) helps you plan for any contingency, including the possibility of an uninsured driver collision. According to the Insurance Information Institute, more than 12 percent of Georgia drivers don’t carry any insurance, so it’s essential to be prepared.

UM/UI coverage on your own insurance policy will pay for your damages up to the policy limit when you have an accident with an uninsured driver. Like regular liability requirements, UM/UI options start at $25,000 each for bodily injury and property damage, but you can buy a larger amount of coverage. Depending on the specific type of UM/UI insurance you purchased, it may or may not cover your damages if the other driver has insufficient insurance to cover all your costs.

Many people are surprised to learn all of the ways UM/UI insurance can be applied:

  • If you are the victim of a hit and run driver and all efforts to identify and locate them have failed, you can use your UM/UI coverage.
  • UM/UI insurance works even if you are nowhere near your car when the crash occurs. For example, if you are hit by an uninsured motorist while crossing a street or taking a bike ride, your UM/UI coverage will kick in.
  • Most UM/UI insurance policies will broadly cover you, your spouse, other family members who live at your address, and anyone who borrows your car with your consent.
  • Passengers in your car are also covered if they suffer an injury caused by an uninsured or underinsured motorist.
  • A “stackable” UM/UI policy will kick in for additional damages after the other driver’s policy has paid out to its limit.

Other Coverage On Your Own Insurance: MedPay And Collision Coverage

UM/UI is a very valuable type of car insurance, but two additional types of coverage may help in an uninsured motorist accident: MedPay and Collision coverage.

When we discuss these options with clients, they’re often confused. Many ask, “Isn’t that what liability insurance is?”

This is a very common misconception. Unfortunately, it’s easy to expect bodily injury liability to cover your injuries in a car accident. But in fact, it only covers your liability for another person’s injuries and has nothing to do with your own. The same is true of property damage liability insurance – neither of these required policies will cover your costs if an accident is your fault or is caused by an uninsured driver.

MedPay is a type of coverage for your medical bills if you’re hurt in an accident and other coverage doesn’t apply, and Collision does the same for car repair bills. These policies are not required by law, but are well worth it if you have any kind of accident where you can’t collect damages from another driver – single car crashes, accidents where you are at fault, crashes caused by wildlife, hit and run collisions, and uninsured motorist accidents. You may also be able to “stack” MedPay on top of UM/UI coverage if you have very expensive medical bills not covered by UM/UI.

Filing a Lawsuit

This is only an option in a small percentage of uninsured motorist crashes. Although you have a legal right to sue an uninsured driver directly, in most cases, it is not a good solution to your expense problem. The reality is that many people who lack car insurance do not have any significant assets we could seize in a lawsuit, so you would only be spending time and money to ultimately receive nothing.

However, there are a few very uncommon situations where the driver may have assets but simply forgot or overlooked their insurance coverage for some reason. In a few cases, we find other third parties may have some liability in the client’s injuries, such as the manufacturer of a defective airbag or braking system. In one of these situations, it may make sense to proceed with a lawsuit.

Contact the CEO Lawyer Personal Injury Law Firm

If you or a loved one have been injured by the actions of an uninsured or underinsured motorist, please contact the CEO Lawyer Personal Injury Law Firm right away for a free, no-obligation consultation. We’ll go over the options available in your case and answer any questions you have. If we take your case, we’ll get started seeking compensation so you can get back on your feet, and we won’t charge you any fees until we reach a settlement.

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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.