What happens if an uninsured driver hits me?

| Oct 23, 2019 | Car Wreck |

You likely carry auto insurance that meets Georgia’s minimum requirements. Your insurance may even go well beyond the minimum liability insurance needed. But not every driver on Georgia roads has proper car insurance.

If an uninsured driver crashes into you, you cannot rely on their insurance company to pay for any injuries you suffer in the wreck. You may find yourself with high medical bills and no way to pay for them. So how do you pay for your bills if you can’t count on an insurance settlement?

Uninsured motorist coverage

When you purchase insurance, you can buy uninsured motorist coverage. Georgia only considers this coverage optional. But having it can help you pay your medical bills.

With uninsured motorist coverage, when someone without insurance crashes into you and causes you injuries, you can file a claim to your own insurance company. This claim not only covers your medical bills but can also supplement your wages if you must miss work. Instead of the other driver’s insurance company paying, your own insurance company will pay for this claim.

Filing a lawsuit

You can also file a lawsuit against the other driver to pay for the damages to you and your vehicle. A lawsuit can help cover the cost of damages if you don’t have uninsured motorist coverage. You can also file even if you do have this coverage since your insurance may not pay all your bills.

Whether you rely on insurance or a lawsuit, you may want to seek legal advice. An attorney can help make sure insurance companies pay the full amount you need. And having legal counsel in a personal injury case can help ensure the success of your lawsuit.

Wrecks can leave you with medical bills

Injuries from a car wreck can leave you with high medical bills. While you may not be able to stop the crash, you can make sure uninsured drivers don’t leave you to foot the bill.