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What happens if the at-fault driver is not insured?

what happens if the at fault driver is not insured

A car accident becomes even more complicated when the at-fault driver doesnโ€™t have insurance. In Georgia, accident victims can usually hold the at-fault party accountable for damages by filing a claim against their insurance. However, not everyone follows the law and purchases the required minimum insurance. So, what happens if the at-fault driver is uninsured?

Victims still have options for seeking compensation. An experienced Kennesaw car accident lawyer from Piedmont Injury Law can help make the process smoother. We offer free consultations, allowing victims to explore their options without risk.

Can uninsured motorist coverage help?

In Georgia, all drivers must carry minimum liability insurance, compensating others injured in an accident the policyholder caused. If the at-fault driver doesnโ€™t have insurance, thereโ€™s no liability coverage to pay for your damages. However, you can file a claim with your own company if you have uninsured motorist (UIM) coverage as part of your auto insurance. This coverage can help pay for injury costs and damage to your vehicle.

Does PIP or physical damage coverage apply?

Personal injury protection (PIP) and physical damage coverage are optional in Georgia. If you have these in your insurance package, you can file a claim under these policies after an accident with an uninsured driver.

PIP can cover medical expenses for you and your passengers. It may also cover lost wages if you canโ€™t work during recovery. Comprehensive or collision property damage coverage will pay for vehicle repairs.

Itโ€™s wise to get help from a Kennesaw car accident lawyer when filing claims, even with your insurance company. These companies often prioritize their interests over yours. A lawyer can review your policy and help ensure your insurer acts in good faith.

Is filing a claim against the at-fault driver an option?

If the at-fault driver has no insurance, you can try filing a claim against their assets. However, many uninsured drivers have few assets, so this option may not result in much compensation.

Could there be other at-fault parties?

Piedmont Injury Law has extensive experience handling car accident cases, even when the at-fault driver is uninsured. We will thoroughly investigate your case to uncover all possible sources of compensation.

For instance, if the driver was on the job, their employer might be liable. If other vehicles were involved, one of those drivers could also share the blame. We will explore every option to get you the compensation you deserve.

Fighting for justice and your future

According to the Insurance Information Institute, 18.1% of Georgia drivers are uninsured, ranking seventh in the country for uninsured drivers. Compensation can be more difficult if youโ€™re in an accident with one of these drivers.

Piedmont Injury Law is ready to take on that challenge. Call (678) 909-0770 or contact us online to schedule a free case review. We will fight to get you the financial justice you deserve and help you move toward a more secure future.