A sudden motor vehicle accident can put a halt to many aspects of your life, but you can usually expect that insurance will cover the damages and help you return to normalcy. This might not be the case, however, if you experience a collision with an uninsured driver.
When you discover that the other driver involved in your accident does not have insurance, you may feel a surge of panic at the thought that you might not receive compensation. You can take steps toward a more favorable outcome by understanding your options when hit by an uninsured driver.
Lean on uninsured motorist coverage
All individuals who own or lease a vehicle must have a minimum amount of auto insurance according to the state of Georgia law. To help protect you against those who are in violation of this law, you have the option to add uninsured motorist coverage to your own auto insurance policy. If you have this coverage in place, you can receive the settlement you deserve after an accident while the uninsured driver will likely face criminal charges.
Seek legal action against the at-fault driver
Another option for seeking compensation from an at-fault driver is to pursue legal action against them. It is illegal to drive a vehicle without adequate insurance, so it is likely that you will have a strong case against the other party. Keep in mind, however, that a driver who cannot afford auto insurance also might not have the finances to immediately pay out a court-ordered compensation amount.
The ideal scenario after an accident with an uninsured driver is to tap into your uninsured motorist coverage. If you do not have this coverage, it may take considerably longer to receive your due compensation from the at-fault party.