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Being involved in a car accident is stressful. But finding out the other driver doesn’t have insurance? That’s next-level frustrating—and confusing. If you're wondering how you'll cover your medical bills, car repairs, or lost wages, you're not alone. We’ve helped many clients in this exact situation. And here’s the good news: even if the at-fault driver doesn’t have insurance, you may still have options to recover the compensation you deserve. Let’s break down what to do and how we can help.
In Georgia, all drivers are legally required to carry a minimum amount of auto insurance—including liability coverage to pay for injuries and damages they may cause. But unfortunately, not everyone follows the law.
In fact, it’s estimated that around 1 in 8 drivers in the U.S. is uninsured, and that number can be even higher in some areas. So what does that mean for you if you’re hit by one of them?
Yes, but it depends on your insurance policy.
If you have Uninsured Motorist (UM) Coverage, your own insurance company may step in to cover your expenses. UM coverage is designed specifically for situations like this, when the other driver can’t pay for the damage they’ve caused.
UM coverage can help pay for:
Without UM coverage, things get more complicated, but you’re not out of options.
You can file a personal injury lawsuit directly against the uninsured driver. However, the challenge is that most uninsured drivers don’t have the financial resources to pay a judgment—even if you win.
In some cases, you may also be able to tap into Medical Payments (MedPay) or collision coverage on your own policy to help with costs.
This is where having an experienced attorney really matters. We’ll explore every possible avenue to help you get compensated.
After a car accident with an uninsured driver, things can get complicated fast. But you don’t have to navigate it alone. Our team will help you understand your policy, gather the evidence you need, and pursue every available path to compensation—whether that’s through your uninsured motorist coverage or legal action.
We’ll handle the tough conversations with insurance companies and guide you through the process from start to finish. Contact The Sullivan Law Firm today for your free consultation.
We handle personal injury cases all across Georgia. Insurance companies know us and our track record, so most cases settle without having to go to court.
