Uninsured Motorist Accidents
Helping You Get the results You Need
Athens Uninsured & Underinsured Motorist Accident Lawyers
Call Us If You Were Hit By an Uninsured Motorist
Were you hit by an uninsured motorist (UM) and don’t know how to pursue compensation for your injuries and damages? Don’t get lost in the complicated details of your case. Instead, let The Law Office of Joshua W. Branch, LLC and our uninsured motorist accident lawyers in Athens be your legal guides from the start. We have built our careers and reputation on handling difficult claims and lawsuits for injured drivers in Athens and throughout Georgia. Discover the difference that trustworthy and experienced legal counsel can make by reaching out today.
You can learn more about your options after an uninsured motorist hit you by dialing (706) 760-9220 and asking for a free case evaluation.
What is an Uninsured Motorist?
An uninsured motorist is just as it sounds: a driver who does not have auto insurance. In Georgia, drivers must carry auto insurance before driving on public roads, but there are always people who disregard the law. Based on data from the Insurance Information Institute (III), about 18% of all drivers in Georgia are uninsured. When you are on the road in Georgia with four or five other drivers nearby, statistically, one of them does not have auto insurance.
What is Uninsured Motorist Insurance?
Getting hit by an uninsured motorist means you won’t be able to file a claim against their auto insurance provider. Filing directly against them might be complicated, too, if they do not feasible have the finances to pay for your losses. If you have uninsured motorist insurance, though, you can use your own policy.
Uninsured motorist insurance allows you to file a first-party claim, which means the case is filed against/with your own auto insurance provider rather than another driver’s provider. Like any other car accident claim, though, you should expect some pushback from your insurance provider because no insurer, yours or otherwise, likes to pay a claim.
Uninsured motorist coverage policies vary but usually provide the following, up to policy caps:
- Medical treatment costs
- Vehicle repair costs
- Lost wages
- Property damage costs
Is a Hit-and-Run Driver Considered Uninsured?
A hit-and-run driver is typically considered “uninsured” by technicalities because the driver responsible for the accident is not identified or available to provide their insurance details. In most cases, if you are involved in a collision with a hit-and-run driver, you can rely on your own uninsured motorist insurance coverage to handle the costs associated with the accident. You will have to check the details of your policy, though, because every policy is different.
Can You File Directly Against an Uninsured Driver?
Even if a driver is uninsured, you can still consider filing a lawsuit against them because they could be found legally responsible for your damages. While recovering compensation from an uninsured driver can be challenging—since they may lack the financial resources to cover your expenses—it should be their obligation to find a way to meet those responsibilities, not yours. Pursuing legal action against an uninsured driver can be complex and may not always result in the compensation amount that you need, so you should talk to our Athens uninsured motorist attorneys about the potential benefits and drawbacks of pursuing such a claim.
Discover Your Options – Call Today
Take the time today to learn how to pursue compensation after an uninsured motorist hit you in Athens. Start by coming to The Law Office of Joshua W. Branch, LLC. Our legal team is here to make the entire legal process less stressful by pursuing justified compensation on your behalf.