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With uninsured and underinsured motorist coverage, you can pursue a claim against the driver at fault and pursue a claim against your own insurance company for any damages you suffer as a result of a car accident. For more visit on https://www.hawklawgroup.com/
Being injured in a car accident can be painful physically, emotionally and financially. If you
find yourself in this position, you may look to the insurance provider of the driver at fault to
help cover the costs of medical treatment and property damage.
But what should you do if the driver at fault did not carry liability insurance at the time of the
Drivers are required by law to obtain and carry continuous auto liability insurance on
vehicles with active registrations. This form of insurance indemnifies the driver at fault for
any damages incurred in a car accident up to the policy limits. Simply stated, if another
driver injures you in a car wreck, the other driver’s insurance will help cover your medical
costs and property damage.
According to a 2014 study conducted by the Insurance Research Council, the number of
uninsured drivers on the road in Georgia was just under 12 percent. If you find yourself in
an accident with an uninsured driver, you can still seek damages for your injuries and
property damage; however, you may not be able to fully recover the full amount of damages
awarded by court or settlement.
Without liability insurance, the other driver will be personally responsible for paying for your
medical costs, property damage, pain and suffering, and lost wages. Even with the help of
a licensed attorney, there is no guarantee that you will be able to collect against the
To avoid this unfortunate situation, you should purchase additional insurance to further
protect yourself from uninsured drivers. You could consider either or both of the following
types of insurance coverage:
Uninsured/Underinsured Motorist Bodily Injury. This form of insurance coverage
provides payment for injuries that you and your passengers sustain in a car accident
when the driver at fault does not possess liability insurance at the time of the car
Underinsured Motorist. Similar to the insurance policy above, this coverage will
pay for damages that are in excess of the amount that the at fault driver’s insurance
Some states, like Georgia, combine the two coverages into one. Other states like South
Carolina have one that is mandatory and another that is optional. Whatever your states
rules are it is very wise to get as much of each of these types of coverages as possible.
With uninsured and underinsured motorist coverage, you can pursue a claim against the
driver at fault and pursue a claim against your own insurance company for any damages
you suffer as a result of a car accident. These forms of coverage typically apply when you
have been injured in an accident involving a driver without insurance, a hit-and-run, or when
there is not enough insurance available to cover your damages.
Underinsured and Uninsured coverages are very inexpensive and can be truly lifesaving
when you are involved in an accident. It is always advisable that you always drive with
liability insurance and carry additional coverage to protect you against uninsured drivers. In
the chance you are injured in a car accident by an uninsured driver, you should seek the
counsel of a qualified, licensed attorney experienced in handling personal injury matters.