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Car Accidents by Uninsured Drivers

After the initial shock wears off and you assess your injuries, the steps that you take after a car accident are critical. While we have provided tips and steps following a car accident, one “issue” or “problem” we haven’t discussed is when the at-fault driver is uninsured (i.e., doesn’t have car insurance). Everyone can agree that if / when you find out that the person at fault is uninsured, your stress and frustration reach a whole new level.

Uninsured Drivers in Georgia

According to the Insurance Information Institute (III), 12.6 motorists, or 1 in 8 drivers, were uninsured in 2012. Although the percentage has been declining in recent years, the issue is still prevalent in all fifty states. According to the III, Georgia ranks 26th with almost 12% of drivers driving without insurance. Therefore, what can you do if one of those drivers hits you? Can you do anything?

First and most importantly, we suggest that you know your rights under Georgia law! While you cannot control who hits you, or whether they have insurance or are uninsured, you can take steps to protect yourself.

Minimum Car Insurance Limits in Georgia

The good news is that Georgia has what is called Mandatory Car Insurance Coverage or Liability Coverage.  Liability coverage is the at-fault driver’s insurance coverage that pays for the victim’s personal injury and property damage after a car accident. Georgia law requires that every driver have and maintain liability insurance coverage. The minimum amount of bodily injury liability insurance that’s required is $25,000 per person and $50,000 per accident. Additionally, one must also have $25,000 of property damage insurance coverage.

Georgia UM Insurance Coverage

Unfortunately, some drivers ignore the law as is seen by the III’s report where slightly more than 1 in 10 Georgia drivers drive without proper insurance coverage. Therefore, we suggest that you (the one who is not at fault) purchase Uninsured / Underinsured Motorist coverage (UM). This type of insurance provides you with insurance coverage and compensates you for your damages if / when the at-fault driver doesn’t have insurance. The coverage can also be used if you are the victim of a hit-and-run accident and cannot identify the driver.

Although Georgia has seen a decrease in uninsured drivers, it is important to know and understand the law. We encourage you to take a look at your insurance policies and speak to a knowledgeable representative before making a decision. If you have been hit by an uninsured or underinsured driver, or even the victim of a hit and run accident, it is important to seek legal representation.

At Kaine Law, we have worked with countless victims who have been hit / injured by uninsured drivers. We have helped many of these victims receive compensation for their damages. Please call us today for your free consultation!

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  • "I was involved in an auto-accident with a drunk driver and after several weeks of frustrating interactions with their insurance company, I decided to contact Evan Kaine. He was upfront and honest about how the process works and never made any promises or raised my expectations. Evan understood that my first priority was to take care of the medical expenses that I incurred and he completely delivered. Communication is essential and I spoke directly with him and was never pawned off to another person. Bottom line - Evan Kaine gives lawyers a good name." - M.T. Atlanta, GA

  • "Evan Kaine is a great attorney who kept me informed on all activity regarding my case. Always willing to go the extra mile to put me at ease. Very knowledgeable and thorough, always examining my case from every angle. I have recommended him to several friends and will continue to do so. Overall great legal service." - B.S. Roswell, GA

  • "My boyfriend Michael was hit by a drunk driver while he was driving my car. Even though I wasn't involved in the accident, Evan made every effort to make the process of getting my new car painless for me. He worked with my insurance company, kept in touch with me personally, and made me aware that he was working on my case around the clock. He also helped Michael get his medical bills paid ASAP. I would highly recommend Evan Kaine! " - B.D. Atlanta, GA

  • "I was in a minor car accident and wasn’t sure that I even had a case. I met with Evan and he explained the law in terms I could understand. I immediately hired him and Evan turned my questionable case into more than $50,000.00! Evan is upfront, honest and expects the same from his clients – and he doesn’t take half of your money! I highly recommend Attorney Evan Kaine." - G.S., Smyrna, Georgia

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