Car accidents are never a fun experience, bringing you stress and pain in the worst cases that involve injuries. But here’s something else that can be a pain as well as bring you a lot of stress: a motorist who is not insured causing that accident. Where do you turn when you have been involved in an accident with a driver who has no car insurance? It is a legal requirement for car owners to carry liability insurance that will cover personal injuries and property damage in a car accident case. What will happen in your case?
Why Uninsured Motorist Coverage is Beneficial
It is always essential to carry uninsured motorist coverage as part of your plan. This is in order to pay for medical bills and property damage when the other driver doesn’t have insurance because, unfortunately, this happens far too often in many cases that occur in the U.S. every year. On the day of your accident, you will probably find out whether or not the driver has insurance and you can make a claim with your own policy to cover the costs.
When a driver is uninsured, you can sue them and make a claim against them. People who choose to not carry any type of insurance are breaking the law, after all. Even if a driver does carry insurance, it may not be enough, which is something we call “underinsured.” In these cases, especially in cases with the most serious injuries where a lot of compensation is up in the air, you could file an underinsured motorist claim with your policy to fill the gap and help pay for most of your bills and when the insurance doesn’t cover what you need it to.
It always helps to be proactive and talk to your insurer immediately when you have been involved in an accident and sustained serious injuries. From there, you can find out if you have only limited time to bring a claim, and what exactly your policy covers so you are aware.
“At Fault” Insurance State in Georgia
Georgia is not a no-fault state when it comes to insurance. This means that they are a traditional fault-based state. This means that the policy of the at-fault driver will apply to your losses when negligence occurred on the other driver’s part. This means that you will be able to make a claim against the other party when you have economic and non-economic damages you believe should be covered.
This means that not only will you be able to compensate for things like medical bills, lost income, and more, but you should also be able to bring a claim for all other damages like mental anguish and pain and suffering. You may be able to sue them directly because of the laws in Georgia.
We have experience getting you the results you deserve if you were injured by an uninsured or underinsured driver in Georgia. Turn to us at the Nye Law Group, where your claim means everything to us. Contact us as soon as possible to get started at 855-636-9277.