If you have been in an accident in Duluth, there’s about a 1 in 9 chance that the other driver doesn’t have insurance. Uninsured motorists are a big problem in Georgia, with about 12% of cars uninsured. Even when drivers have insurance, they often carry only minimum coverage, which may not be nearly enough to pay for your injuries.
If you or someone you love has been in an accident with an uninsured or underinsured motorist, you still have a right to recover money to pay for your injuries, repair bills and more. You need to speak with a Duluth uninsured motorist accident lawyer.
John Foy & Associates has been helping people recover money from uninsured drivers for more than two decades. Our law practice is focused only on helping accident victims, and we have a long track record of successfully getting money in complicated uninsured motorist cases.
Another driver made a bad choice, but you shouldn’t have to pay for it. Let us give you a free consultation to talk about your case and get you started on getting the money you deserve. Call us at 404-400-4000 and get your free consultation today.
How Much Money Can I Recover from an Uninsured Driver in Duluth?
Legally, Georgia is known as a “fault state” for purposes of car accident claims. This means that the driver who was at fault is completely responsible for everyone’s costs, including injuries and vehicle damage. Fault does not depend on whether a driver has insurance. A driver who chooses not to get insurance, is still fully liable in the City of Duluth, and you have a legal right to recover all your costs and damages. We often see accident victims recovering money for:
- Medical bills
- Prescription drug expenses
- Physical therapy and other kinds of rehabilitation
- Car repair bills, or the cost of replacing a totaled car
- Lost wages, if you miss work because of the accident
You may also receive a large financial award for pain and suffering, a disability, or another serious loss. We know this money cannot begin to make up for the life-changing effects of a major accident, but we also know that injuries cause financial trouble. Money can’t undo an accident, but it can help you get good treatment and keep your family on a firm financial footing.
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What Should I Do After an Accident in Duluth?
Your physical well-being is your first concern, so get to a safe place and summon emergency medical help if you or anyone else needs it. If you are able to, we also suggest that you do a few things to protect yourself legally. Uninsured drivers will often do whatever they can to avoid taking responsibility for their actions, and the things you do to document the accident now will help you make a strong claim later.
- Call the police. A typical uninsured driver will try to talk you out of calling the police. Ignore them. You are required to call the police for any accident in Georgia involving injuries or significant property damage. A police report is important to your claim, and it also shows that you followed the law.
- Control your emotions. The other driver may get angry or emotional, but don’t let it get to you. By staying calm, you avoid saying things that you may regret later, and you make a better impression on the police and witnesses. Never, ever, apologize or take the blame if you didn’t cause the accident.
- Take photos. Photographs are important evidence that show what happened much more clearly than words alone could do. Use your cell phone to photograph the accident scene, damage to the vehicles, and your injuries.
- Talk to witnesses. People who stopped to help may have seen the accident or events leading up to it. Get their names and contact information.
- Go to the doctor. Even if you think your injuries will heal up on their own, get a doctor’s opinion. Early treatment can be important to a full recovery, and seeing a doctor shows that you took your injuries seriously, helping you make a stronger claim.
Finally, make an appointment for a consultation with a personal injury lawyer. Uninsured motorist cases are more complicated than most other accident claims, and the sooner you get a lawyer working for you, the better your chances for a full financial recovery.
How Can I Get Money If the Driver didn’t Have Insurance?
There are several ways to recover money if there isn’t insurance, or there isn’t enough insurance. All drivers in Georgia are supposed to carry minimum amounts of car insurance:
- $25,000 or more bodily injury insurance (per victim)
- $50,000 or more bodily injury insurance (total)
- $25,000 or more property insurance
All too often, this insurance is not nearly enough to pay the full cost of a car accident. The local courts are aware of this and are equipped to order money paid from other sources. Your lawyer may try to recover money for you through one or more of these tactics:
- Making a claim against the uninsured/underinsured motorist protection of your own insurance policy.
- Finding other insurance policies that apply to your injuries and damage.
- Asking the court to order the other driver to pay you out of pocket.
- Putting a lien on the other driver’s property. The lien will remain until you have been paid.
You will greatly improve your chances of recovery if you get a legal opinion right away. A lawyer can get to work uncovering the best way to get you money, freeing you to focus on your treatment and recovery.
Talk to a Duluth Uninsured Motorist Accident Lawyer for Free
At John Foy & Associates, we want you to get the legal help you need without worrying about paying legal fees. Your consultation with us is 100% free, and we will never charge you a cent unless we win money for you. Let us show you what we can do for you.
Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.