In Georgia, as in most states in the U.S., drivers are required to have car insurance to operate a motor vehicle. This insurance provides protection when accidents occur, and the at-fault driver can use it to pay for the damages associated with the crash. However, many drivers fail to abide by this law. According to the Insurance Information Institute, about one in every eight drivers is uninsured. So, if you’re injured by an uninsured driver, it’s important to understand your options for obtaining compensation.
Understanding Uninsured Motorist Coverage
Uninsured motorist coverage is an additional feature that drivers can add onto their own auto insurance. While it is not required by law in Georgia, it can be extremely helpful in providing additional protection. This type of insurance provides compensation for:
- Bodily injury. This covers medical care for injuries sustained in an accident with an uninsured driver, as well as lost wages when the injuries force a victim to miss work.
- Property damage. This type of coverage provides for repair or replacement of any property damaged in the accident, including the vehicle itself, items inside the vehicle, or other fixed property (such as a fence or a mailbox).
While this type of coverage is not required, it can be obtained for a typically nominal fee. It covers you as a driver, a passenger in another vehicle, a pedestrian, and as a victim of a hit and run when the at-fault driver cannot be found. This coverage provides vital compensation to help accident victims and their families through a difficult time.
An Experienced Injury Attorney Can Help
Even if accident victims are involved in a crash with an uninsured motorist, they have rights that can be protected. Uninsured drivers break the law each time they drive, and if they cause an accident, they should be held accountable.
An experienced injury attorney can help you understand your rights and decide on the best way forward. At Athens Injury Law Group, our legal team is here to help Georgia accident victims recover as fully as possible. After an accident, our lawyers work hard to help all clients obtain the compensation they deserve, so they can move forward from the accident securely and safely. Call our office today, or take a moment to fill out the contact form on this page to learn more about who we are, what we do, and how we may be able to help.