What Happens If the At-Fault Driver Is Uninsured in Georgia
                     What Happens If the 
At-Fault Driver Is 
Uninsured in Georgia?
Navigating the aftermath of a collision when the responsible 
driver lacks insurance coverage can feel overwhelming. 
Understanding your rights and options is crucial to protecting 
yourself and recovering compensation.
The Reality of Uninsured Drivers in Georgia
A Growing Problem
Georgia has one of the highest rates of uninsured 
motorists in the nation. Approximately 12% of drivers on 
Georgia roads lack the required insurance coverage, 
putting law-abiding drivers at significant financial risk.
State law requires all drivers to carry minimum liability 
insurance, but enforcement gaps mean many drivers 
remain uninsured or underinsured.
Your Options When the At-Fault Driver Has No Insurance
Uninsured Motorist Personal Injury Protection Legal Action
Coverage
If you have PIP coverage on You can file a lawsuit directly 
Your own insurance policy may your policy, it provides against the uninsured driver. 
include uninsured motorist immediate payment for However, collecting damages 
(UM) coverage, which steps in medical expenses and lost can be challenging if they lack 
when the at-fault driver lacks income regardless of who assets or income. A 
insurance. This coverage can caused the accident, offering car accident attorney atlanta 
pay for medical bills, lost quick financial relief. can help evaluate this option.
wages, and pain and suffering.
Understanding Uninsured Motorist 
Coverage in Georgia
01 02
Check Your Policy File a Claim Promptly
Review your auto insurance policy Notify your insurance company 
to confirm you have UM coverage immediately after the accident. 
and understand your coverage Provide all documentation 
limits. Georgia insurers must offer including the police report, medical 
this protection, though you can records, and evidence that the 
decline it in writing. other driver was uninsured.
03
Negotiate or Litigate
Your insurer will investigate and make an offer. If it's insufficient, you 
may need to negotiate or pursue arbitration. Working with experienced 
car accident attorneys in atlanta georgia ensures you receive fair 
compensation.
Protecting Yourself: Key Steps After an Accident
Immediate Actions
• Call 911 and report the accident to police
• Document the scene with photos and videos
• Collect witness contact information
• Seek medical attention, even for minor injuries
• Request the other driver's insurance information
Follow-Up Steps
• Keep detailed records of all medical treatment
• Track lost wages and accident-related expenses
• Avoid giving recorded statements to insurers without legal advice
• Consult an attorney before accepting any settlement offers
Get the Legal Help You Deserve
Contact Us Today
Dealing with an uninsured at-fault driver requires 
experienced legal guidance. Our team fights to maximize 
your recovery and protect your rights throughout the 
claims process.
Phone: 678-551-8556
Address:730 Peachtree Street Northeast
Atlanta, Georgia 30308
United States