Accidents on the road are not uncommon. Distracted driving, speeding and other reckless behaviors often lead to crashes. Getting involved in an accident when you are uninsured can complicate matters. The question is, can you still seek compensation even if you are not insured?
Factors to consider when you are not insured
If you are uninsured and the other driver is at fault, you have several options for seeking compensation.
- Filing a claim: You can try filing a claim against the at-fault driver’s insurance policy. Georgia follows a fault-based system, meaning the at-fault driver’s insurance is responsible for covering damages.
- The at-fault driver is also uninsured: Check if you have uninsured motorist insurance (UMI) on another vehicle you own, which can help cover your costs. Verify if you have medical payment coverage (MedPay) on another policy, as it may cover your medical expenses.
- Consider Georgia’s modified comparative fault rule: If you are partially at fault, this may reduce your compensation by your percentage of fault. You might not recover compensation if you are 50 percent or more at fault.
Understanding these points can help you navigate the complexities of dealing with an accident when you and the other driver are uninsured.
Taking action after an accident
Whether you or the other driver is uninsured, ensuring everyone’s safety after an accident is still crucial. After gathering information such as the driver’s details, witness statements and accident scene photos, seek medical attention immediately. Report the accident to the police and, if applicable, your insurance company.
Being uninsured complicates the aftermath of an accident, but you still have avenues for seeking compensation. Understanding Georgia’s laws and taking the proper steps can make a significant difference. You may want to speak to a legal professional to explore your options and ensure you receive the compensation you deserve.