Accidents With Uninsured Drivers in Georgia

Let’s discuss your options if you were hit by an uninsured driver. The Marsh Law Firm helps injury victims in and around Statesboro, Georgia get the compensation they deserve from negligent drivers. If the other driver didn’t follow the state’s insurance laws, you may still be able to recover what’s right. Don’t settle for less. Instead, contact attorney Marsh because car accidents are our specialty.

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Available 24/7 / Free consultation / No fee unless you win

Georgia Car Insurance Laws

Georgia is a fault-based insurance state. If you are in a car crash, the person at fault pays for the damage. In most cases, this means their automobile liability insurance pays because Georgia requires all drivers to carry a minimum amount of automobile liability insurance.

Georgia’s automobile liability insurance requirements are:

  • $25,000 bodily injury coverage for one person
  • $50,000 bodily injury coverage for all person injured or killed in a crash
  • $25,000 property damage coverage

These are minimum amounts. Drivers can also carry bodily injury and property damage coverage with higher limits.

Additional Insurance & Uninsured Motorist Coverage

Drivers can choose to purchase additional insurance coverage and higher policy limits. Other forms of insurance coverage include comprehensive, collision, medical payments, and uninsured/underinsured motorist coverage.

Uninsured motorist and underinsured motorist (UM/UIM) insurance pays for certain losses when the at-fault driver doesn’t have any automobile liability insurance or their policy limit is less than what your damages are worth.

Under Georgia’s uninsured motorist law, insurance companies have to offer this type of coverage. You don’t have to buy it, though. It is always best to buy as much uninsured motorist insurance coverage as you can afford because it is like buying liability insurance for the at-fault driver. It is there to pay you and your resident relatives in accidents involving uninsured or underinsured drivers.

Do You Have UM/UIM Insurance Coverage?

If you have UM/UIM coverage, then this is where you will turn to for help after an accident with an uninsured or underinsured driver.

An accident with an uninsured driver is frustrating, but your own UM/UIM coverage might be enough to pay for your medical bills, pain and suffering, lost wages, and vehicle repairs.

But car accidents with uninsured drivers don’t always work out so smoothly. If you find out the negligent driver doesn’t have enough insurance, contact The Marsh Law Firm to learn about your options. You might be able to recover through the UM/UIM coverage in your own auto insurance policy.

Attorney Marsh Makes All the Difference

Having an experienced attorney makes a significant difference in recovering compensation. For over two decades, attorney Marsh has focused on helping people in situations like yours and has the history of results to prove it. His knowledge and trial experience balances the scales between victims and insurance companies, which are used to having all the power.

Not all car crash claims can be wrapped up neatly with an insurance settlement. Unfortunately, even if you have UM/UIM, your insurance carrier may wrongfully deny your claim. Or, sometimes, injury claims have to go to court. No matter the details, Mr. Marsh knows how to make them respond and won’t hesitate to file a personal injury lawsuit when that’s the best way to win you compensation.

Get the Representation Your Deserve

When you’re injured by an uninsured driver, you should have a dedicated attorney by your side. You deserve someone who will devote their time to getting you the best possible results.

When attorney Marsh handles your uninsured motorist claim:

  • Your lawyer will always be Troy Marsh: Mr. Marsh doesn’t have an associate to pass you off to. Even if he chooses to associate with another attorney because of their particular skills (at no additional cost to you), your lawyer is still Mr. Marsh. That is who you’ll talk to.
  • Your questions will get answered: When you hire Mr. Marsh, you can expect consistent communication. In fact, you can expect a weekly call where you’ll get updates on your case and answers to your questions. You’ll never doubt a hard-working lawyer is looking out for you.
  • Your lawyer can get results: Some things are out of a lawyer’s control. That’s why not every case can result in a large settlement. But with Mr. Marsh, you can be confident that he has over two decades of experience helping car accident victims. He knows how to navigate complex insurance and uninsured motorist issues, including taking a case to court.
  • Your case moves forward with minimal risk: One of the benefits of working with a lawyer with integrity is receiving honest opinions from the very beginning. Mr. Marsh will quickly assess your case, tell you about your options, and recommend what to do next. If he agrees you have a case and thinks you should pursue it, there are no upfront fees. You only pay a fee if he wins compensation.

Do You Have a Case? Tell Us About the Accident

Statesboro has several major roads running through it, including I-16, U.S. 301, and Route 67. It also has its fair share of young drivers, and at times, drunk drivers. Between times of heavy traffic, teen drivers, impaired drivers, and simple carelessness, accidents happen to anyone. The Marsh Law Firm can help if your accident was caused by:

Who Is to Blame for a Car Accident?

The person at fault for a car accident is the driver that acted carelessly or recklessly behind the wheel. Every driver owes other motorists and pedestrians a duty of care. It’s their responsibility to obey traffic laws and be careful. Too many drivers fail to uphold this responsibility and cause someone like you harm.

We Help You Prove Fault

You’ll have to prove the other driver was negligent to win compensation. Uninsured accident attorney Troy Marsh quickly gathers and reviews the evidence, including the police report, photos of the crash, vehicle inspection reports, eyewitness statements, and your medical records. He’ll uses this to determine who was at fault and the value of your case.

When the other driver has expired insurance or never paid for it to begin with, you face a different process.

What to Expect After Being Injured in an Uninsured Motorist Accident

We understand you’re going through a lot right now. A serious car accident can lead to:

  • Broken bones
  • Lacerations
  • Severe Bruising and contusions
  • Traumatic brain injuries
  • Spinal cord injuries
  • Partial or complete paralysis
  • Neck and Back injuries
  • Whiplash
  • Ruptured and herniated discs
  • Burns
  • Internal bleeding
  • Fatal injuries

When The Marsh Law Firm takes on your case, we help you get proper medical care and handle your medical bills while you’re waiting for a settlement or court award.

Aggressively Pursuing Compensation

Never doubt that attorney Marsh intends to recover you the most compensation possible, and not only for your physical injuries. The law also allows recovery for things like mental anguish and emotional distress in certain cases.

When you’ve been hurt or lost a loved one in a crash, you may be compensated for:

Identifying Relevant Insurance Policies

Attorney Marsh will look closely at your case for any relevant insurance policies. There might be insurance coverage, even if the driver didn’t pay for a policy.

  • If the driver was in a borrowed vehicle, the owner might have an auto insurance policy.
  • If the driver was in a rented vehicle, the rental company or credit card used for the reservation might offer insurance coverage.
  • If the driver was in a rideshare vehicle, like Uber or Lyft, and working at the time, the rideshare company might provide insurance coverage.
  • You might have a collision, comprehensive, or uninsured motorist policy that covers certain damages.

Suing an Uninsured Driver for Damages

When your injuries aren’t covered by the other driver’s insurance, the only way to recover compensation is directly from the at-fault driver. That may require taking them to court. At The Marsh Law Firm, we handle the litigation process for you. We prepare and file the paperwork, appear in court on your behalf, and argue for everything you’re rightfully owed.

Is the Other Driver Judgment Proof?

This is an important issue attorney Marsh will talk about if it applies to your situation. It is whether or not it is worth it to get a judgment against the other driver. It’s important to investigate whether an at-fault driver can pay a judgment if you win one. A driver who has little-to-no income or assets can’t pay, even if a judge says they have to. If you can’t collect what you’re owed, it might not be worth filing a lawsuit.

Uninsured Driver Accident FAQs

Initially, you should focus on using the insurance coverage you have, including your health insurance and medical payments coverage in your own auto insurance policy. Then, it is important to talk with a lawyer experienced in uninsured driver accidents. You might find other insurance coverage to help or your attorney might recommend a lawsuit. What you can or should do after an accident with no insurance depends on the specific circumstances.

Georgia’s statute of limitations for personal injury claims is usually two years, but it could be much less. That means you generally have two years from the date of the crash to file the lawsuit. But other factors can change that timeline, which is why you should consult a lawyer.