Another week of work has ended, and you’re cruising along the highway, glad to be done. The weekend has started, and your mind wanders to the exciting things you plan to do. Suddenly, you hear a loud screen and feel a hard crash. Another driver has just hit you! Being involved in a serious car accident and ending up injured is bad enough, but at the back of your mind, you may be thinking that if the other motorist was to blame for the accident, then you can claim compensation.
You begin talking to the other driver after pulling over to the side and quickly realize he or she does not have car insurance. The fact that the driver is uninsured complicates things. Is there anything you can do about it? If you’ve uninsured motorist insurance (UMI), you shouldn’t worry because it will cover your bodily injuries and/or property damage.
At Singleton Law Firm, we’ve helped many victims to file uninsured motorist accident claims successfully, and we can help you as well.
Motorists are required to carry insurance
In almost every state, all motorists are legally required to carry a minimum amount of liability car insurance. However, there are still drivers who get behind the wheel without insurance. About one in eight motorists does not have auto insurance according to the Insurance Research Council. You are still vulnerable to accidents with uninsured drivers even if you are a driver who follows the rules of the road.
Uninsured Motorist Insurance: What Is It?
Let us begin with the basics. Under state law, a minimum amount of car insurance is mandatory for every driver. Why? It is instrumental in situations like one described above. The insurance company of the other driver at fault will be required to pay for the accident even the driver does not have money, depending on the negligence laws of the state. Financial responsibility laws mandate this type of cover known as “liability coverage.”
Where motorists do not carry the required minimum coverage
However, there are situations where motorists do not carry the required minimum coverage. Does it mean you’re out-of-pocket for your expenses? No, UMI will cover it. If you choose to buy this coverage, your insurance will pay for injuries to you or your passengers in the following situations:
- Another uninsured driver was responsible for the accident;
- Dealing with underinsured driver (the insurance company will pay too little for the damages);
- A hit and run accident.
Uninsured motorist insurance pays benefits
Uninsured motorist insurance (UMI) pays benefits if you are involved in a car accident, and the at-fault driver has no insurance. UMI covers crashes involving hit-and-run drivers. This coverage mainly pays medical bills and loses that you may incur due to your injuries. The policy applies to drivers, passengers, pedestrians, and bicyclists to whom it covers.
Is UMI a Mandatory Requirement?
Depending on where you live, the UMI is usually optional, and states have different options, including available limits, mandatory requirements, and coverage choices. Purchasing this coverage as part of your policy is a good idea, as it will help you handle the unexpected and often unavoidable uninsured motorist accidents.
Uninsured Motorist Property Damage insurance (UMPD) covers damage to your vehicle or other property, and some insurance companies provide it.
Making Uninsured Motorist Accident Claims
Okay, what do you do? Well, if the other motorist does not have insurance, you can sue him or her. However, it’s doubtful the uninsured driver has the resources to cover your damages if he or she does not have liability coverage in the first place. Also, you can make an uninsured motorist accident claim to your insurance company.
Contact your insurance company
You’ll want to contact your insurance company as soon as possible since many insurers have time limits regarding the filing of uninsured motorist accident claims. If you fail to meet the deadlines, you may be prevented from pursuing compensation.
A claims adjuster will take up your case and carry out a thorough investigation on whether or not you have the proper coverage and who was the at-fault motorist. There’s always a possibility of your insurance company rejecting your claim. Every case is different and dependent on the unique facts.
Questions About Uninsured Motorist Accident Claims? Our Attorney Can Help
It’s essential to be familiar with the insurance laws in Georgia and how you can seek compensation if you’ve damages due to an uninsured motorist accident. If you’ve additional questions or concerns, you should consult our uninsured motorist accident attorney at Singleton Law Firm Atlanta.
Uninsured Motorist Accident Claims
Call us today at (770) 889-6010 or fill out the contact form to schedule a free case review.