Uninsured Motorists Accidents
Seek Maximum Compensation With a Savannah Car Accident Lawyer
After an accident, one of the most important things you do is exchange insurance information with the other driver. But, what happens when the other driver is not insured? By law, all Georgia drivers must carry a minimum amount of liability auto insurance to cover bodily injury and property damage. When you are involved in an accident with a driver who does not have insurance, especially if that driver was at fault, the process for obtaining compensation can be complex.
At Brooks Law Office, our Savannah car accident attorneys can help you determine your next step after a crash. Backed by more than 35 years of legal experience, our lawyers understand what to do if you were involved in an accident where the at-fault driver did not have insurance coverage. We can help you every step of the way, from filing an insurance claim to negotiating settlements.
Call our firm today at (912) 348-5188 to schedule a free consultation.
Minimum Insurance Coverage
If the other driver was at fault and he or she does not have sufficient insurance coverage, you may be able to file a claim with your own insurance company. According to state laws, each driver must have insurance coverage that reaches the legal minimums. The legal minimum is set at $25,000 for bodily injury per person, or $50,000 per accident for bodily injury, as well as $25,000 per accident for property damage. If a driver has insurance but it does not meet these minimums, you may still need to file a claim with your own insurance company to pay for the difference.
Uninsured or Underinsured Motorist Insurance Policies
By law, Georgia insurance companies are required to make uninsured or underinsured motorist insurance available. Many people have this type of coverage without knowing it. In order to bypass this coverage, you would have had to reject the insurance company’s offer in writing. This type of coverage should cover your expenses if the at-fault driver had no insurance or the at-fault driver did not have enough insurance coverage to compensate you fully. Uninsured motorist insurance can also cover accidents involving hit-and-run drivers, or incidents where a driver hit you as you were walking or cycling.
If you are unsure whether or not you have uninsured motorist coverage, our attorneys can gladly help review your policy.
Contact Brooks Law Office to discuss your car accident with our Savannah personal injury attorneys.