Georgia law requires that every driver carrier liability insurance in the minimum amount of $25,000 to cover bodily injuries caused by negligent driving. Unfortunately, not everyone follows this law.
So what happens if you have been injured in a car wreck in which the at-fault driver does not have any insurance at all? You are not out of luck. Depending on your situation, you may have different avenues of recovery.
If you carry uninsured motorist coverage, then you will want to make a claim on that policy. Being injured in this type of situation is exactly why this coverage exists. A claim for your own UM coverage will be used to compensate you for medical bills, both past and future, lost wages, and pain and suffering.
If you do not have uninsured motorist coverage, then it is still possible that another insurance policy will cover you. Many car insurance policies will cover members of the same household. For example, a claim can be made on the policy of a family member or roommate living with you at your home.
Still, just because an individual does not have insurance does not mean that they are off the hook. A lawsuit and judgement may be obtained against them. The issue becomes whether the at-fault driver has the assets to satisfy a judgment. Sadly, if the driver does not maintain insurance, they probably do not. Still, researching the assets, both in real property and in liquid assets, is an important task in order to recover full compensation for your injuries.
Sometimes, under various legal theories, such as negligent entrustment, other parties may be responsible. In those situation, the other person’s insurance policy or assets may come into play.
If you or a loved one have been injured in a car wreck and the at-fault driver has no insurance, you will want to speak with an experienced car accident lawyer to investigate the insurance policies that may be available to you. So please, don’t hesitate, call and speak to one of our Atlanta car accident lawyers at Schenk Smith today. Our consultations are always free. If you would like to learn more about this topic or watch additional videos please subscribe to our YouTube channel.