What If You’re Hit by an Uninsured Driver in Atlanta?

car accident lawyer atlanta

Car accidents are stressful enough, but what happens when the driver who hit you doesn’t have insurance? In Atlanta, this unfortunate situation is more common than you might think. Even though Georgia law requires drivers to carry minimum liability coverage, many motorists ignore this rule.

Thankfully, you still have options. An experienced uninsured motorist accident lawyer in Atlanta can help you explore every legal path to recovery—even when the at-fault driver can’t pay.


Georgia’s Minimum Insurance Requirements

In Georgia, every driver is legally required to carry liability insurance with minimum limits of:

  • $25,000 for bodily injury per person

  • $50,000 for bodily injury per accident

  • $25,000 for property damage

However, thousands of drivers in Atlanta either let their policies lapse or never purchase insurance at all. When an uninsured driver causes a crash, recovering compensation becomes much more difficult—unless you’re prepared.


What Is Uninsured Motorist (UM) Coverage?

Uninsured motorist (UM) coverage is optional insurance that protects you when the other driver has no coverage. Many Georgia drivers add UM coverage to their auto policies for this exact reason.

There are two types of UM coverage:

  • Uninsured Motorist Bodily Injury (UMBI)

  • Uninsured Motorist Property Damage (UMPD)

Although it’s not required in Georgia, UM coverage can be a lifesaver in these types of accidents. If you’re unsure whether you have this coverage, your lawyer can help review your policy.


What to Do After an Accident With an Uninsured Driver

If you discover that the other driver doesn’t have insurance, follow these steps:

  1. Call the police and make sure a report is filed.

  2. Seek medical care immediately.

  3. Take photos of vehicles, damage, and injuries.

  4. Get witness contact information.

  5. Do not accept cash or private deals.

  6. Notify your insurance company, but don’t give a recorded statement.

  7. Call an uninsured motorist accident lawyer in Atlanta.


Can You Sue the Uninsured Driver?

Technically, yes—you can sue an uninsured driver personally. However, most uninsured drivers lack the assets or income to cover your damages, even if you win a lawsuit.

Because of this, most victims focus on recovering from their own UM coverage, if available.


What If You Don’t Have UM Coverage?

If you don’t have uninsured motorist coverage, you still have options:

  • Check for household insurance policies.

  • Explore liability of third parties.

  • Pursue compensation via personal injury claims.

  • Use health insurance to manage medical expenses.


Why You Need an Uninsured Motorist Lawyer in Atlanta

At Karma Injury Law, we will:

  • Review your auto policy

  • Investigate and prove fault

  • Handle communications with your insurer

  • Fight to maximize your UM payout

We’ve helped countless clients recover compensation when the other driver couldn’t pay.


Contact an Uninsured Motorist Accident Lawyer in Atlanta

Don’t let someone else’s lack of insurance stop you from getting justice. If you were hit by an uninsured driver in Atlanta, call Karma Injury Law today for a free consultation. We’ll help you move forward with strength.

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You must file your claim within two years from the accident date.
Failure to meet this deadline may result in losing your right to recover damages.

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