Some states require UIM (Uninsured Motorist Coverage) as a component of car insurance. This additional coverage protects drivers when they are involved in an accident with someone that is uninsured or under insured. The state of Georgia does not require UIM, and it’s not included in “full coverage” insurance. However, our car accident attorneys recommend you purchase UIM as an add-on because most drivers do not think much about it until it’s too late.
If you get into an accident, and the other driver is at fault and has no insurance, your insurance company is not obligated to pay your claim. Even if the other party has insurance, if you are seriously hurt with $250,000 in medical bills, it is possible that the other driver may not have enough coverage to pay for your bills or other damages.
What if I Get Hit By Someone With No Insurance?
Immediately following an accident, call the police and wait for them to complete an accident report at the scene, so all the details are in writing. Most accident victims are in shock after a collision, even if they are not injured. Let your car accident attorney review the police report and determine the next step in your case.
Should I Contact My Insurance Company?
Yes, at your earliest convenience! Contact them as soon as possible to find out what coverage or support they can give you. Some insurances will give you some coverage on certain items. You won’t have a clear picture until you speak with them.
Should I Hire a Lawyer?
It’s a great idea to get a car accident lawyer. Sometimes, the only way to collect anything to cover your bills is with the help of a car accident lawyer. You may have to file a lawsuit against the other party, especially if you are seriously injured.
A qualified car accident lawyer will be able to assess the situation and advise you how to proceed. Your attorney will be able to review the paperwork and decide whether you can prove the other party was at fault. Let them communicate with the insurance company. They will work with you towards the best possible outcome.
What Can I Do To Help My Case?
There are many things you can do to help your attorney with your case. Make sure you get a copy of the police report. Keep this document and all your other paperwork organized. This will enable you to quickly find any papers your lawyer needs to help prepare your claim or your case.
Follow all the advice your lawyer gives you. They are experts at handling these cases. They may suggest that you get cleared by doctors before the claim is settled. They will help maintain the right timeline. There is a two-year statute of limitations on filing for damages due to a car accident in Georgia. Make a calendar and make sure you go to all your doctor appointments and meetings with your lawyer.
It’s never a good situation when the other driver doesn’t have insurance, and you don’t have UIM. Although they will get charged with failure to purchase the insurance, that doesn’t reimburse you for your expenses and inconvenience. Look at your insurance policy and consider adding this coverage for your protection.