Every driver in Johns Creek is legally required to carry the state minimum for auto insurance. However, some drivers still choose to get on the road without proper insurance coverage, and that can make an accident complicated. If you were injured in a crash with an uninsured (or underinsured driver), it’s best to contact a Johns Creek uninsured car accident lawyer as soon as possible.
To get the legal help you need, reach out to John Foy & Associates. We have more than 20 years of experience helping injury victims pursue compensation, and including those who were hit by uninsured drivers. We can help you explore your compensation options and fight for your rights.
To get a FREE consultation and case evaluation, call us at (404) 400-4000 or contact us online today. We do not charge a fee unless we win you money, so there is no risk to you. Call (404) 400-4000 or contact us online to get started for FREE today.
Uninsured Car Accident Insurance Options
In Georgia, drivers must carry at least the minimum auto insurance limits to drive on roads and highways. According to the Georgia Department of Insurance, those automobile insurance minimums are:
- Bodily Injury Liability of $25,000 per person and $50,000 per accident and
- Property Damage Liability of $25,000 per accident.
Liability insurance pays for damages to others when the insured driver causes an accident. Property damage insurance pays for damage to the victim driver’s vehicle. The injured driver can file a claim with the at-fault driver’s insurance to pursue compensation for their damages.
Insurance companies are also required to offer Uninsured Motorist Coverage to drivers. This insurance covers damages when an uninsured driver causes an accident. Although Uninsured Motorist Coverage is not legally necessary, it is recommended, and you probably have it unless you opted out when purchasing your coverage.
A Johns Creek uninsured car accident lawyer can help you file a claim with your insurance company if the other driver is not insured. Although your own insurance company might be more cooperative, always remember that insurance companies are not on your side. They will look for ways to reduce what they have to pay you, so you’ll want to protect your rights by working with an experienced lawyer.
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Other Coverage Options
Besides filing a claim with your own uninsured motorist policy, other potential compensation options may be:
- Filing a claim with other insurance policies;
- Seeking compensation from the at-fault driver’s minimum coverage;
- A lien on the at-fault driver’s property; or
- A court order for the driver to pay you for your damages.
You’ll want to explore all options for seeking compensation. Your lawyer will know which avenues to pursue and how to navigate them.
What You Can Recover from an Uninsured Accident Claim in Johns Creek
In Georgia, the at-fault party in an injury accident is legally liable for the damages. So, if the other driver was fully responsible for your accident, they should be responsible for all of your costs from the accident. Those damages may include the following.
Medical expenses typically make up the largest portion of a car accident claim, especially serious accidents. You should not have to pay for treatment costs like:
- Doctor visits
- Hospital stays
- Prescription medications
- Physical therapy
- Travel to appointments
Keep track of all medical bills and medication receipts. You’ll need to include these in your claim.
You might need to miss work because of the accident and your injuries. This missed worktime is known as lost wages, which you can include in an injury claim. If your accident injuries prevent you from working as you could before, you might also be able to claim loss of earning capacity.
You can also include the costs of repairing or replacing your vehicle because of the accident. If any other personal property was damaged in the accident, you can include that in your claim, as well.
Pain and Suffering
Besides the physical costs of an accident, you can also seek compensation for pain and suffering damages. These damages include:
- Mental anguish
- Loss of enjoyment of life
- Physical pain and suffering
- Emotional pain and suffering
Pain and suffering damages are not easy to demonstrate, so you’ll want to seek the assistance of an uninsured car accident lawyer as soon as possible.
The problem with an uninsured car accident is that the uninsured driver may not have many resources to draw on for compensation. However, don’t let that deter you from getting legal help and exploring your options.
Most car accident lawyers (like those at John Foy & Associates), do not charge a fee unless they are able to win your case. So, you can know your options and get help without risk. To get a FREE consultation with us and learn more today, call (404) 400-4000 or contact us online.
Six Steps to Take After an Uninsured Car Accident in Johns Creek
After getting into an accident with a driver who is uninsured or underinsured, there are things you can do to protect your legal rights. We highly recommend taking the following steps:
- Try to stay calm and call the police to report the accident.
- Take pictures of the accident scene, the other driver’s vehicle, your injuries, and anything else that is important for your rights.
- Get any emergency medical attention you need.
- Talk to any witnesses and get their contact information.
- Exchange information with the other driver, including insurance information if they have any coverage at all.
- Contact a Johns Creek uninsured car accident lawyer as soon as you can.
Talk to a Johns Creek Uninsured Car Accident Lawyer for Free Today
Don’t wait to get assistance after an uninsured car accident. Our lawyers at John Foy & Associates have more than 20 years of experience with these types of claims, and we can help. We do not charge a fee unless we win you money, so there is no risk in reaching out.
Call (404) 400-4000 or contact us online to schedule a FREE, no-obligation consultation with one of our experienced attorneys today.