menu
Getting into a car accident is stressful enough. Finding out the other driver has no insurance can make the situation even more overwhelming. Unfortunately, uninsured drivers are more common than many people realize, and Georgia drivers are often left wondering how they will pay for medical bills, lost wages, and vehicle repairs after a crash.
If you were hit by an uninsured driver in Georgia, you may still have options for financial recovery. Understanding your rights and your insurance coverage is critical after the accident.
At Kevin Patrick Law, we help injured victims navigate uninsured motorist claims and fight for the compensation they deserve.
Georgia consistently ranks among the states with a significant number of uninsured motorists. Even though Georgia law requires drivers to carry minimum liability insurance, many drivers either allow policies to lapse or drive illegally without coverage.
Under Georgia law, drivers are generally required to carry minimum liability insurance of:
However, when a driver has no insurance at all—or not enough insurance—the injured victim often must turn to their own uninsured motorist coverage.
Uninsured motorist (UM) coverage is insurance protection that can help pay for your damages if the at-fault driver has:
UM coverage may help compensate you for:
Georgia insurers are required to offer uninsured motorist coverage, although drivers may reject it in writing.
Georgia generally recognizes two forms of uninsured motorist coverage:
This type of coverage reduces your UM benefits by the amount of liability insurance available from the at-fault driver.
Example:
Added-on coverage stacks on top of the at-fault driver’s policy limits.
Example:
Added-on coverage is often significantly more valuable for injured victims.
Always report the accident. A police report can become critical evidence in your insurance claim.
Even seemingly minor injuries can worsen over time. Medical records also help connect your injuries to the accident.
You may need to file a UM claim through your own insurer. Be careful when speaking with insurance adjusters, because statements can sometimes be used to minimize your claim.
If possible, collect:
UM claims can become complicated quickly, especially when insurance companies dispute fault or damages.
Yes. You can still file a lawsuit against an uninsured driver. However, many uninsured drivers lack sufficient assets to pay a judgment.
That is why uninsured motorist coverage is often one of the most important protections available after a crash.
An attorney can help determine:
Hit-and-run accidents may also qualify as uninsured motorist claims under Georgia law.
If the driver cannot be identified, your UM coverage may still provide compensation. Prompt reporting and evidence collection become especially important in these cases.
Many people assume their own insurance company will automatically treat them fairly. Unfortunately, insurers may still attempt to:
Even though you pay premiums, your insurance company may still prioritize protecting its bottom line.
Georgia generally has a two-year statute of limitations for personal injury claims under O.C.G.A. § 9-3-33.
However, insurance notice requirements can be much shorter. Delays may hurt your ability to recover compensation.
Speaking with an attorney early can help preserve evidence and protect your claim.
Depending on the severity of the accident, compensation may include:
Every case is different, and the value of a claim depends on many factors.
Being hit by an uninsured driver can leave victims feeling frustrated and financially vulnerable. But you may still have legal options.
Kevin Patrick Law helps injured clients throughout Georgia pursue compensation after serious car accidents, including uninsured and hit-and-run crashes.
If you were injured in an accident involving an uninsured driver, contact Kevin Patrick Law today for a free consultation to discuss your rights and potential claim.
Get Your Free Consultation Today
required fields *