Most drivers in Georgia carry the minimum automobile liability insurance required by state law. Occasionally, however, someone gets into an accident with a car that is driven by an individual who is uninsured.
According to one study, in 2019, one in eight drivers was uninsured. This statistic means that in any collision, an uninsured driver is likely to be involved. What should a person do if they find themselves in this situation?
Initial steps
The first step is calling 911 to report the accident, including the extent of physical injuries and property damage. Record the name of the police officer taking the call so that the report can be located when needed. Be sure to wait at the scene until the police arrive.
The next step is obtaining medical attention. Some injuries do not reveal themselves immediately after the injury occurs. First responders will evaluate every person’s injuries and current physical condition. They will make decisions about which individuals should receive prompt treatment and which individuals can wait for treatment.
If possible, speak to the other drivers involved. Exchange insurance information with the other driver. If another driver is reluctant to provide such information, he or she may be covering up a lack of legally sufficient insurance. At least, record the person’s name and license plate number.
Contact your insurer
Some policies provide coverage for damage caused by an uninsured motorist (commonly referred to as “UM coverage”). Georgia law does not require UM coverage, and most Georgia policies do not include such coverage unless specifically requested.
A second type of coverage that may apply is underinsured motorist coverage (“UIM coverage). This coverage applies to damages caused by a motorist who has some coverage but not enough to cover all damages resulting from the accident.
Report the accident to your insurer as soon as possible. Your insurer may be able to offer useful advice about recovering damages from the other motorists involved in the accident.