If you’re hit by an uninsured motorist in Georgia, you may still recover compensation for your injuries and damages by filing a claim under your own uninsured motorist (UM) coverage or by exploring other legal avenues with help from an experienced attorney.
What Does “Uninsured Motorist” Mean in Georgia?
An uninsured motorist is a driver who does not have liability insurance coverage at the time of an accident. The Office of the Commissioner of Insurance and Safety Fire suggests that these are people who either do not follow the law or may unknowingly allow their coverage to lapse or cancel.
In Georgia, state law [GA Code § 33-7-11 (2024)] requires all drivers to carry minimum liability insurance, but not everyone complies. If you’re involved in a crash with someone who lacks insurance—or with a hit-and-run driver—you’re considered the victim of an uninsured motorist accident.
How Does Uninsured Motorist Coverage Work?
Uninsured motorist (UM) coverage is optional insurance you purchase as part of your auto policy. It protects you if you’re injured in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. There are two types of UM coverage in Georgia:
- Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost wages and pain and suffering.
- Uninsured Motorist Property Damage (UMPD): Covers damage to your vehicle and property.
If you have UM coverage, you can file a claim with your own insurance company after an accident with an uninsured motorist. Your insurer essentially steps into the shoes of the at-fault driver and compensates you up to your policy limits.
What Should I Do After Being Hit by an Uninsured Motorist?
Here are the key steps to take:
- Call the police and request a report. This documentation is critical.
- Gather evidence at the scene, such as photos and witness information.
- Seek prompt medical attention for any injuries.
- Notify your insurance company about the accident and ask about your UM coverage.
- Contact an experienced car accident attorney, like those at The Burnside Law Firm, to review your case and help you navigate the claims process.
What Are Some Common Scenarios Involving Uninsured Motorists?
- You’re rear-ended at a red light, and the other driver admits they don’t have insurance.
- You’re struck by a hit-and-run driver who can’t be identified.
- You’re injured in an accident and later discover the at-fault driver’s policy was canceled for non-payment.
- The other driver’s insurance limits are too low to cover your expenses, so your underinsured motorist coverage applies.
In all these cases, your UM coverage can help bridge the gap and protect you from financial loss.
How Can The Burnside Law Firm Help Victims of Uninsured Motorists?
The Burnside Law Firm, LLP, offers decades of proven experience advocating for accident victims in Augusta, Athens and throughout Georgia. Our attorneys understand the complexities of uninsured motorist claims, from interpreting insurance policies to negotiating with insurers and if necessary, pursuing litigation.
We are known for our:
- Thorough investigation of every accident case
- Aggressive pursuit of fair compensation for our clients
- Personalized attention and clear communication
- Willingness to take cases to trial when insurers don’t cooperate
Our team has recovered millions of dollars for clients facing difficult situations, including those hit by uninsured motorists.
Frequently Asked Questions About Uninsured Motorist Accidents in Georgia
Q: Is uninsured motorist coverage required in Georgia?
A: No, uninsured motorist coverage is optional, but we strongly recommend it. It can be a financial lifesaver if you’re hit by an uninsured or underinsured driver.
Q: How much UM coverage should I carry?
A: We advise carrying as much UM coverage as you can reasonably afford. Medical and property costs can add up quickly after a serious crash.
Q: What if my insurer denies my UM claim?
A: Insurance companies sometimes deny or undervalue claims. Our attorneys can challenge these decisions and fight for the compensation you deserve.
Q: Can I sue an uninsured driver personally?
A: Yes, but many uninsured drivers lack the assets to pay a judgment. UM coverage is usually a better path for recovery.
Q: What if I were hit by a hit-and-run driver?
A: A hit-and-run accident is treated like an uninsured motorist case in Georgia. Your UM coverage can apply in these situations.
Take Action After an Accident with an Uninsured Motorist
If you or a loved one has been hit by an uninsured motorist in Georgia, don’t try to handle the aftermath alone. Contact The Burnside Law Firm, LLP, in Augusta and Athens, GA, to schedule a consultation. Our experienced team will review your case, explain your rights, and help you pursue the maximum compensation available under the law.
You don’t have to face the insurance companies by yourself—reach out today and put our expertise to work for you.
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