All drivers in Roswell are legally required to carry auto insurance, but there are some who still drive around without coverage. It can be devastating if you get into an accident and find out the at-fault driver is not insured, but don’t assume you have no options. It’s best to get a Roswell uninsured car accident lawyer on the phone who can help.
Our attorneys at John Foy & Associates can help you investigate the accident and know your rights. We’ll work to still get you financial recovery for the damages you have suffered in the uninsured car accident. Call us today at (404) 400-4000 and we’ll give you a FREE consultation.
We do not charge you a fee unless we win you money, so there is no risk to you and no upfront cost. To get started for FREE, call (404) 400-4000 or contact us online today.
Auto Insurance Requirements in Georgia
Auto insurance coverage is required for all drivers in Georgia. The minimum coverage you must have is:
- Bodily Injury Liability of $25,000 per person and $50,000 per accident and
- Property Damage Liability coverage of $25,000 per accident
Auto insurance companies must also offer:
- Uninsured Motorist (UM) Bodily Injury coverage of $25,000 per person and $50,000 per accident and
- Uninsured Motorist (UM) Property Damage coverage of $25,000 with a deductible of $250, $500, or $1,000
Uninsured motorist coverage is optional, but it is highly recommended to cover uninsured car accident situations. It covers accidents where the at-fault driver does not have insurance or doesn’t have enough insurance to cover your damages. Unless you specifically opted out when purchasing your policy, you probably have this coverage.
Unfortunately, the minimum insurance requirements don’t go very far in a serious (or even moderately-serious) accident in Roswell. So, even if the at-fault driver has some insurance or just the minimum, it may not be enough to cover all of your damages. This is where UM coverage and legal help from an experienced Roswell uninsured car accident lawyer is invaluable to you.
Uninsured Drivers in Georgia
According to facts and statistics on uninsured motorists from the Insurance Information Institute (III), about 12% of drivers in Georgia were uninsured in 2015. While this is a smaller percentage than other states, it’s still concerning.
Insurance should be in place to protect all drivers on the road when an accident happens. When a driver fails to carry the coverage for an accident, it can be very frustrating for you as an accident victim. On top of that, you might struggle to get the compensation you deserve from any insurance coverage that does exist.
To ensure you are taking advantage of all possible options after an uninsured car accident, contact John Foy & Associates today. We can discuss the accident and what we can do to help you—without any risk to you. Call (404) 400-4000 or contact us online to get a FREE consultation today.
Your Options if the Other Driver Does Not Have Car Insurance
Let’s talk about what you should do—and your legal options—after a car accident caused by an uninsured driver.
Call the Police and Gather Information
If the other driver has no insurance coverage, it might be difficult to get information from them. Many uninsured drivers do not want to protect their information or report the accident because they know they’ll have to face consequences. However, you should always report an accident with injuries or property damage to the police.
Sometimes, uninsured motorists will even attempt to flee the scene to avoid responsibility. If you are concerned that this might happen, take a picture of or write down the driver’s license plate number. Note all identifying features of their vehicle and their person. Ask for the following information from the driver:
- Full name
- Driver’s license number
- Phone number
- Physical address
- Any insurance information
Also, take pictures of the scene, your injuries, and all vehicle damage. The better you can document things, the better it will protect your case.
Police officers will respond to the scene and gather their own information, but it helps to record what you can in case the uninsured driver tries to avoid authorities. Officers will create an accident report, and you can request a copy. This will be important for your case.
Turn to Your Uninsured Motorist Coverage
If you have uninsured motorist coverage through your own insurance company, this should apply to help cover your costs. If you’re not sure whether or not you have this coverage, contact your insurance agent or ask your uninsured car accident lawyer to help.
Having a lawyer at this point is a great idea because although your insurance company should be on your side, you may still encounter issues. Insurers are looking to pay as little as possible on claims, even when they involve uninsured motorist coverage.
It’s unfortunately common for insurance companies to downplay damages or find other ways to reduce the value of a claim—even when it involves their own policyholder. Your lawyer can ensure you are treated fairly and not taken advantage of as you seek a settlement for your damages.
Explore Other Options with Your Attorney
Don’t give up on getting the compensation you deserve without speaking to an experienced lawyer. Your lawyer can help you investigate and look for the uninsured driver if they fled the scene. They can also use their legal expertise to help you explore other legal options for getting compensation.
Compensation You Can Receive from an Uninsured Car Accident
If you are injured in an accident you did not cause, you should not have to pay for the costs of that accident. That includes damages like:
- Medical bills
- Lost wages
- Vehicle damage
- Pain and suffering
Your lawyer can calculate the full value of your damages so you know what fair compensation looks like for you. That includes pain and suffering damages that are difficult to calculate but often worth a significant amount.
Get a Free Consultation with a Roswell Uninsured Car Accident Lawyer Today
At John Foy & Associates, we have helped countless accident victims in Roswell and throughout Georgia over more than 2 years. Our goal is getting you the fullest compensation possible—and we are not afraid to fight hard for your rights.
If you were injured because of an uninsured or underinsured driver in Roswell, don’t wait to get help. Our lawyers do not charge a fee unless we win you money, and the consultation is always FREE, so there is no risk to you. Call (404) 400-4000 or contact us online to get started with your FREE consultation today.