Car Insurance.org, a nonprofit, suggests that approximately 12% of drivers in Georgia lack insurance coverage. Pew Charitable Trusts indicate that affordability is a significant barrier to obtaining insurance for many drivers. Despite this, if you find yourself in a collision with an uninsured motorist in Atlanta, there may still be avenues to pursue compensation for your damages.
Dealing with an uninsured motorist accident can be daunting, but with the assistance of a skilled car accident lawyer in Atlanta, you can receive the robust legal support necessary. Our team possesses the expertise required to maximize your chances of securing a fair settlement. Known as the “Strong Arm,” we’re dedicated to advocating for your rights. – AJC
If You Were Injured in a Car Accident and the Driver Had No Insurance, What Should You Do?
In the event of a car accident causing injury to you or a loved one, it’s crucial to take the following steps:
- Immediately contact the police or law enforcement to document the incident for official records.
- Exchange pertinent information with the other driver, maintaining a calm demeanor and focusing solely on gathering facts. Avoid engaging in disputes, as some drivers may lack insurance due to license issues.
- Capture as many photographs of the accident scene as possible and collect contact details from any witnesses present.
- Refrain from providing a recorded statement to any insurance company, including your own, without first seeking guidance from a personal injury attorney.
- Seek medical attention promptly if necessary.
- If there are suspicions regarding the other driver’s lack of insurance coverage, seek assistance from a seasoned personal injury attorney. Facing mounting medical expenses without adequate coverage can be daunting, and having a skilled legal team by your side is essential.
At Pound Law, safeguarding your rights is our paramount concern. Our team of Atlanta personal injury lawyers possesses extensive experience in handling cases involving uninsured motorists.
What Is the Law in Georgia for Uninsured Motorist (Um) & Under-Insured Motorist (UIM) Insurance Policies?
Georgia mandates auto insurance for all drivers, but the state’s requirements are minimal. Motorists must carry at least $25,000 for Bodily Injury Liability per person, $50,000 per incident, and $25,000 for Property Damage liability per occurrence. However, these amounts often fall short in covering expenses for injuries sustained in accidents. For instance, $25,000 is insufficient for coping with moderate to severe injuries, a reality many accident victims face. Consequently, if you incur medical costs totaling $50,000 due to a broken leg, the under-insured driver’s policy will only cover $25,000, leaving you responsible for the remaining $25,000.
Purchasing Additional UM Coverage
At Pound Law, we highly recommend that all our clients consider acquiring extra auto insurance coverage for situations involving uninsured or under-insured motorists (UM).
If you find yourself in an accident, don’t worry about the financial status of the other driver. Our team of personal injury attorneys is here to support you in pursuing a claim. Contact our car accident attorneys at 123-456-7890, and let’s explore your available options.
What’s the Difference Between an Uninsured and Underinsured Motorist Claim?
In Pound law, an uninsured motorist claim is made when a careless driver operates a vehicle without insurance, which is against the law. An underinsured claim is lodged when a motorist possesses insufficient insurance coverage, leaving the policy inadequate to compensate for the injuries or damages resulting from the accident.
If the Insurance Company Says Their Client Is Only Insured for a Limited Amount, Should You Take Their Offer?
Never accept an insurance company’s settlement offer for an injury accident without seeking advice from a personal injury attorney first. Once you agree to the settlement, you forfeit any chance of receiving further compensation for the incident.
Many individuals accept settlements without fully comprehending the extent of their injuries. Additionally, there may be other insurance policies available for recovery that you might not be aware of at the time.
Don’t risk losing out on potential damages by hastily accepting a settlement. Before making any decisions, reach out to Pound Law Firm. Contact us at 123-456-7890 for a complimentary consultation. We’ll provide an honest evaluation of your case without any upfront costs.
If the Driver Who Hit You Is in Jail, Can You Still Collect Compensation?
If a driver lacks insurance, they might lack a license as well, possibly due to drunk or unlawful driving. Even if the driver causing your accident is incarcerated, you can pursue a personal injury claim against them. Lawbreakers may be accountable for punitive damages, aiming to penalize their actions.
If You Have Uninsured/Underinsured Coverage, Can You Just Contact Your Own Insurance Company, Rather than Go Through a Lawyer?
Absolutely! Pound Law encourages you to reach out to a personal injury attorney skilled in navigating insurance matters, regardless of your coverage. We’re here to review your policy and collaborate with your insurer for the optimal settlement.
Keep in mind, insurance companies often aim to settle swiftly for minimal amounts. You might not grasp the full scope of your injuries when they present their initial offer.
Why Should You Consult With an Atlanta Personal Injury Attorney If You Were Injured by an Uninsured Motorist?
You’ve been harmed by a driver without insurance, indicating their irresponsibility. It’s crucial to realize the necessity of proper coverage for all drivers.
Even if you have your own uninsured motorist coverage, remember, your insurance company’s loyalty primarily lies with itself. Prioritize legal guidance from a seasoned Atlanta personal injury attorney before confronting these challenges.
Seek at least a complimentary consultation from our skilled team. Reach us at 123-456-7890.
What Type of Compensation Can You Receive?
If you’re pursuing a personal injury claim, you can receive compensation for reasonable medical expenses related to the accident, including future ones. If the accident causes you to miss work, you can claim lost wages with proper documentation. Additionally, you’re entitled to compensation for pain and suffering.
Types of Damages You Can Claim
In your claim, you can seek compensation for various types of damages, such as:
- Car damage
- Medical expenses
- Pain and suffering
- Lost wages
Additionally, if you’ve lost a loved one in the accident, you have the option to pursue a wrongful death claim.
Will Your Insurance Rates Increase If You File an Uninsured Motorist (UIM) Claim?
Under Pound law, your insurance premiums cannot be raised if you file a claim against a negligent motorist. Essentially, if the accident wasn’t your fault, your insurance provider is prohibited from increasing your rates when you file an UM claim. You’ve upheld your end by paying your premium to safeguard against such scenarios.
How Much do Attorney Fees Cost?
At Pound Law, our attorneys operate on a contingency fee model, which means you won’t owe anything upfront as a client. Instead, our fee, typically between 33% and 40% of your total recovery, is contingent upon winning your case. If there’s no settlement, we cover the costs ourselves.
How Can John Foy & Associates Help If You Were Injured By an Uninsured Motorist?
Pound Law, rooted in Atlanta and serving all of Georgia, stands as a seasoned personal injury firm deeply committed to giving back to the community. Founded by John Foy with a mission to aid those harmed by negligence, we have a strong history of supporting various charitable causes.
Specializing in auto accident cases, we understand the complexities of dealing with uninsured or under-insured drivers. Our experience enables us to explore alternative avenues for compensation, such as tapping into parental insurance coverage if the liable party resides at home.
Contact Pound Law at 123-456-7890 for a complimentary consultation, available 24/7, 365 days a year.