What Happens If the Driver Who Hit Me Doesn't Have Insurance?

What Happens If the Driver Who Hit Me Doesn't Have Insurance?

By:  Derek Hays, Derek Hays Injury Law

 

One of the most common questions we hear at Derek Hays Injury Law is, "What happens if the driver who hit me doesn't have insurance?" It's a fair question and a common problem.  The answer may surprise you.

 

Although Georgia law requires drivers to carry liability insurance, not everyone follows the law. Others carry only the minimum coverage, which may not be enough to pay for serious injuries, medical bills, lost wages, and other damages after a crash. Fortunately, you may still have options.

 

 

Many drivers carry Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage as part of their own auto insurance policy. This coverage is designed to help protect you if the at-fault driver has no insurance or not enough insurance to fully compensate you for your injuries.

 

Unfortunately, many people don't realize the benefit of having UM/UIM coverage until they are involved in an accident with someone uninsured. Others mistakenly believe that using their own insurance will automatically increase their premiums or put them at fault. Every situation is different, which is why it's important to speak with an experienced personal injury attorney before making assumptions about your rights.

 

At Derek Hays Injury Law, we carefully review every available insurance policy to identify all possible sources of compensation. Our goal is to make sure our clients receive every benefit they are entitled to under Georgia law while we fight the insurance companies on their behalf.

 

If you've been injured in a car accident, don't assume you have no case simply because the other driver was uninsured. You may have more options than you realize.

 

If you have questions about your rights after an accident, Derek Hays Injury Law is here to help. We offer free consultations, and you pay no attorney fees unless we recover compensation for you.

 

Attorney Derek Hays has represented injured Georgians since 1997 and has recovered more than $175 million for his clients. If you've been injured in an accident, call Derek Hays Injury Law at 404-777-HURT (4878) or visit www.derekhayslaw.com to learn more.