{"id":2158,"date":"2020-03-10T00:00:00","date_gmt":"2020-03-10T00:00:00","guid":{"rendered":"https:\/\/www.awjlaw.com\/2020\/03\/10\/what-to-do-when-hit-by-an-uninsured-driver\/"},"modified":"2024-10-22T16:31:43","modified_gmt":"2024-10-22T16:31:43","slug":"what-to-do-when-hit-by-an-uninsured-driver","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/faqs\/what-to-do-when-hit-by-an-uninsured-driver\/","title":{"rendered":"What to do When Hit by an Uninsured Driver"},"content":{"rendered":"<p>Under Georgia law, all drivers are required to purchase at least the minimum automobile liability insurance limits to drive on the state\u2019s public roads and highways. As of this writing, the minimum liability limits under Georgia law are $25,000 per person and $50,000 per occurrence for Bodily Injury Liability, and $25,000 per occurrence for Property Damage.<\/p>\n<p><a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/liability\/\" rel=\"noopener noreferrer\">Liability<\/a> insurance pays for others\u2019 medical bills and property damage up to your policy limits when you\u2019re at-fault for an accident. But what if it\u2019s the other way around? What if the other driver is at-fault for the <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/\" rel=\"noopener noreferrer\">accident<\/a> but he or she was <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/uninsured-motorist\/\" rel=\"noopener noreferrer\">not insured<\/a> at the time of the crash? This is where Uninsured Motorist kicks in, assuming you opted for the additional coverage.<\/p>\n<h2 align=\"center\">Hit by an Uninsured Driver?<\/h2>\n<p>Uninsured Motorist Insurance (UM) is not required under Georgia law, but you can include it in your policy, which we highly recommend. Even though all drivers are required to purchase liability insurance to drive legally in the state, unfortunately, there are drivers who intentionally disobey the law or accidentally let their insurance lapse.<\/p>\n<p>When you elect to purchase Uninsured Motorist Insurance, it protects you if an uninsured driver causes an accident and <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/property-damage\/\" rel=\"noopener noreferrer\">damages your vehicle<\/a> or injures you or your passengers. It can also protect you in the event that an at-fault driver is under insured \u2013 making up the difference in damages if it is more than their policy limits.<\/p>\n<h2 align=\"center\">Steps to Take After a Crash<\/h2>\n<p>If you have Uninsured Motorist Coverage, you would turn to it if you were hit by an uninsured driver if it is determined that the accident was his or her fault. Often, it\u2019s not worth it to file a <a href=\"https:\/\/www.awjlaw.com\/\" rel=\"noopener noreferrer\">personal injury<\/a> lawsuit against an uninsured driver, unless they have significant assets or there\u2019s a way to get them to compensate you through a judgement.<\/p>\n<p>Generally, it\u2019s more practical to file a UM claim against your own automobile insurance company instead of pursuing the uninsured driver. UM coverage applies when you\u2019re hit by an uninsured driver who is deemed at-fault for the crash.<\/p>\n<p>If you believe you were hit by an uninsured motorist, contact an attorney from our firm immediately. We\u2019ll discuss contacting your insurance company promptly to inform them of the accident and your intent to file an uninsured claim.<\/p>\n<p>Some insurance companies have strict deadlines for such claims, so if the other driver refuses to give you their insurance information or if they \u201ccan\u2019t find it,\u201d or even if they tell you they\u2019re insured, act quickly by <a href=\"https:\/\/www.awjlaw.com\/contact-us\/\" rel=\"noopener noreferrer\">calling Jones &amp; Swanson<\/a> and we\u2019ll help you get the uninsured motorist claim started.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you know what to do if you are hit by an uninsured driver? Read our blog for the advice you need in case it ever happens to you.<\/p>\n","protected":false},"author":2,"featured_media":2159,"parent":801,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[485],"class_list":{"0":"post-2158","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"hc_faqs-uninsured-driver","7":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to do When Hit by an Uninsured Driver | Jones &amp; Swanson<\/title>\n<meta name=\"description\" content=\"What to do When Hit by an Uninsured Driver: Jones &amp; Swanson, with 45+ years of experience and millions recovered. 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