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Getting into an automotive collision is bad enough with a driver that is financially responsible and has insurance. Finding out the driver that struck you is uninsured can lead to an even more complex claims process. Do not assume a crash with an uninsured motorist will mean you have to pay for your damages out of pocket, however. If you are in this situation, seek help from an Atlanta uninsured motorist accident lawyer at The Simon Law Firm. We can assist you in exploring all your legal options.
Treat an accident with an uninsured driver much the same as you would a typical car accident in the city of Atlanta, until you get to the insurance claims process. First, stop your vehicle at the scene and evaluate yourself for injuries. Move your disabled vehicle off the road, if possible. If you or anyone else has any injuries, or you suspect property damage above $500, call 911 to report the crash to the police. You should also call the police upon learning that the other driver does not have auto insurance. Reporting this to the police can lead to penalties against the other driver, such as driver’s license suspension until he or she purchases insurance. Receive medical care for your injuries. Then, contact an Atlanta, GA uninsured motorist lawyer.
If an uninsured driver causes your accident in Georgia, you have financial recovery options besides the other driver’s insurance company. Your first outlet for recovery will be your auto insurance provider. Although uninsured/underinsured motorist insurance is not a requirement in the state of Georgia, you must specifically reject this coverage. If you do not remember rejecting this coverage, your policy most likely contains some insurance for bodily injuries and property damages due to uninsured motorists.
Call your insurance company to ask if you have this coverage. If so, your own provider should furnish you with a check for your damages. If not, your other legal option for recovery is a personal injury lawsuit. Filing a lawsuit against the at-fault driver or another party, such as the driver’s employer, a car manufacturer or the government, could result in compensation for your losses even if the driver does not have car insurance. An Atlanta uninsured motorist lawyer can help you discover if you have grounds for a lawsuit against a third party.
Uninsured and underinsured motorist insurance, also called UM/UIM insurance, is not mandatory in Georgia. The only required insurance coverages are $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage. If you do not pay for UM/UIM insurance, you may have to pay out of pocket for your losses and expenses relating to your accident, even if you were not at fault. An uninsured motorist lawyer, however, may be able to help you seek compensation through the civil justice system instead of an insurance claim.
If you were recently in an accident with an at-fault uninsured or underinsured driver, speak to an uninsured driver attorney from The Simon Law Firm in Atlanta. We may be able to help you obtain the recovery your family needs to move forward with financial stability. Start your case with a free evaluation at our local firm. Contact us online or call (404) 259-7635 today.