What if I’m hit by an uninsured driver?

This question is very common. Nearly 12% of all Georgia drivers do not have car insurance coverage. If you are in an accident, there is a 1 in 8 chance that you will be in an accident with someone who does not have adequate car insurance.

If you been in an accident with someone who is uninsured, there are a number of steps you can take in that situation.

Can the Uninsured Motorist Be Made to Pay

It can be very difficult to collect a debt for property damage or injuries from an uninsured driver. Such damages would have to be paid out of the other driver’s own pocket. It is unlikely that someone who cannot afford auto insurance could pay for damages. They might even file for bankruptcy to avoid having to pay.

Review Your Own Insurance Policy

One of the easiest ways to protect yourself in accident against someone who does not have car insurance is to have uninsured / underinsured motorist coverage through your own insurance. This form of insurance coverage provides insurance that uninsured driver should have had. In this event, you would make a claim with your own insurance company.

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