It is an unfortunate consequence of being out on the road and getting in an accident, some drivers just do not play by the rules. One of the more frustrating rule breaking infractions you may encounter is finding out that the other driver does not have insurance after an accident. Currently in Georgia, around 10 percent of drivers out on the road are uninsured.
If you learn after an accident that the other driver does not have insurance, you may be wondering what to do next. Here is what you should know when this happens.
Go over your own insurance policy
Have you covered yourself already in the event of this situation by including uninsured motorist coverage to your policy? If you did, that is a great first-step in easing the aggravation you may be encountering. This coverage will also be there for you if the driver you were in the accident with does have insurance but has inadequate coverage. At that point, your coverage will fill in the gap for what the other driver should have had. It is important for you to realize that in this case you will be in a struggle with your own insurance company to receive your fair recovery. Be prepared to hear from your own insurance company arguments such as the other driver was not responsible, your injuries were not from the accident or that your injuries are not significant enough for compensation.
Uninsured motorist coverage can be expensive, so in most cases there is a good chance it may not be included in your policy.
What you can do if you do not have uninsured motorist coverage
If you do not have uninsured motorist coverage, you may be able to use your collision coverage to help pay for damages after the accident with the uninsured motorist. This type of coverage is optional and can pay for vehicle repairs regardless of fault. One last thing you can try to do is collect compensation directly for the uninsured driver. To call this a long shot may be an understatement. Since they are unwilling to pay for auto insurance, they most likely will not have funds to cover the damages from an accident.
If you have been in an accident where the other driver does not have insurance, you do have limited options. One of those options is uninsured motorist coverage, but if you do not have that on your policy, your options will be even more limited. It may be at that time to speak with an attorney who can help guide you through options where you can work to recover loss from damages.