Car accidents can be stressful, but the situation becomes even more complicated when the at-fault driver doesn’t have insurance. In Richmond County, approximately 12% of drivers are uninsured, mirroring Georgia’s statewide average. If you’re in an accident with an uninsured driver in Augusta, understanding your options is essential to protecting your rights and securing compensation for your damages. At Burnside Law Firm, we’ve helped countless accident victims navigate these challenging situations, using our over 50 years of collective legal experience and a track record of excellence recognized by awards like Georgia Trend Legal Elite and Martindale-Hubbell’s AV Preeminent Rating.
How Uninsured Drivers Impact Accident Claims
Georgia law requires all drivers to carry liability insurance with minimum coverage limits of $25,000 per person and $50,000 per accident for bodily injury. However, many drivers still operate vehicles without coverage, putting others at risk. In Augusta, high-traffic areas like Bobby Jones Expressway and Washington Road are common sites for accidents, making uninsured drivers a potential issue for local residents.
If the at-fault driver is uninsured, recovering damages becomes more complex, but it’s not impossible. Here’s what you can do.
1. Use Your Uninsured Motorist (UM) Coverage
Uninsured motorist (UM) coverage is designed to protect you in these exact situations. If you have UM coverage as part of your auto insurance policy, it can cover:
- Medical bills
- Lost wages
- Pain and suffering
- Property damage
UM coverage also applies if you’re involved in a hit-and-run accident, which is particularly important given that hit-and-run incidents are on the rise in Georgia.
2. File a Civil Lawsuit Against the At-Fault Driver
While UM coverage is the most straightforward way to recover damages, you may also pursue a civil lawsuit against the uninsured driver. However, this option is only viable if the driver has sufficient personal assets to cover your damages, which is often not the case. Our attorneys at Burnside Law Firm can evaluate the situation and determine whether this approach is worth pursuing.
3. Seek Help From an Experienced Augusta Car Accident Lawyer
When you’re dealing with an uninsured driver, navigating the legal and insurance systems can be overwhelming. An experienced car accident attorney can:
- Investigate the accident to uncover additional sources of compensation (e.g., other liable parties).
- Handle communication with insurance companies to maximize your UM claim.
- File and manage a lawsuit if necessary.
At Burnside Law Firm, we’ve been helping Augusta residents in these situations for decades. Our attorneys understand the complexities of uninsured motorist claims and have a proven track record of success.
Why Uninsured Motorist Coverage is Vital in Georgia
Georgia ranks among the top 20 states for uninsured drivers, and while Augusta’s uninsured rate is slightly lower than the national average, the risk is still significant. Adding UM coverage to your policy can provide peace of mind and financial protection in case you’re ever involved in an accident with an uninsured or underinsured driver.
FAQs About Uninsured Motorist Accidents in Augusta
Q: What if the at-fault driver has insurance, but it’s not enough to cover my damages?
A: In this case, underinsured motorist (UIM) coverage can help bridge the gap. UIM works similarly to UM coverage and can cover remaining damages beyond the at-fault driver’s policy limits.
Q: Can I use UM coverage if I’m a passenger in someone else’s car?
A: Yes, you can typically use your own UM coverage or the coverage of the car owner if you’re a passenger during the accident.
Q: How long do I have to file a UM claim in Georgia?
A: The statute of limitations for car accident claims in Georgia is two years, but it’s best to act quickly to ensure your claim is processed efficiently.
Let Burnside Law Firm Handle Your Uninsured Motorist Case
If you’ve been in an accident with an uninsured driver in Augusta, don’t face the challenges alone. Burnside Law Firm has the experience and resources to help you recover the compensation you deserve. With prestigious recognitions like Georgia Trend Legal Elite and decades of proven success, we’re proud to be Augusta’s trusted choice for personal injury representation. Contact us today to schedule your consultation.
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