uninsured person hit car

What If the Person That Hit My Car Is Uninsured?

Car insurance is one of those things we all know we need, but did you know that in the United States more than 10% of drivers are uninsured? Specifically, in 2019 Georgia had 12.4% of drivers operating motor vehicles without insurance. The same report from the Georgia Department of Transportation shows there were more than 400,000 car accidents in the state, accounting for over 147,000 injuries reported and 1,400 deaths. These statistics are sad and startling.

While having insurance doesn’t prevent motor vehicle accident, it does cover the costs of vehicle repairs and injury-related expenses. Most insurance providers offer uninsured motorist (UM) coverage to protect you against the potential damage from an accident caused by an uninsured driver. Georgia state law does not require you to carry uninsured motorist protection, so be sure to read your policy details. If you have been injured in a car accident and the person responsible is uninsured, you can still seek out help from your insurance company under the UM provision.

Is Price-Shopping Worth it?

Auto liability insurance is marketed on price, and how much ‘savings’ you can receive by switching carriers. Shopping for insurance on this basis, however, could leave you with a gap in coverage. It is so important to buy your policy based on the coverage it provides, not the amount of money that you are allegedly saving. In Georgia, you must elect to decline UM coverage. Some would do that to save a few dollars. It is penny-wise and pound-foolish to take the cheap route, and find yourself without coverage. That mistake could cost you many thousands of dollars.

In car accident cases involving an at-fault uninsured driver, it is a good idea to consult with a knowledgeable lawyer, such as the team at Edmonson Law Firm, before reaching out to your insurance company. Unfortunately, insurance adjusters do not always have your best interests in mind. Typically, they are focused on limiting the amount that they are required to pay out on claims. We can help you work with your insurance company to have most of your expenses covered based on your relevant coverage.

We can also help you explore other avenues of compensation for the car accident and resulting personal injury. This may include taking the uninsured motorist to small claims court to cover your insurance deductible and other incurred costs or identifying another party who may be liable in the car accident. During your free consultation with one of our lawyers, we can advise you on the best next steps for your motor vehicle accident personal injury case.