No matter what state you live in, the law requires you to carry auto insurance. If you’re going to drive on their roads, then you need insurance. There are no exceptions. But this doesn’t mean everyone actually has insurance. There are thousands of people in this country who are uninsured drivers. Some of them can’t afford it. Others don’t realize their policy has lapsed or been canceled. But a lot of people just don’t care. Unfortunately, these are the kinds of people who tend to get into accidents. They don’t have any concern for anyone else. They take unnecessary risks. When this happens, people like you get hurt.
If someone hits you and they don’t have insurance, you only have two options. First, you can file a claim under your own uninsured motorists’ policy. Most people who carry auto insurance have this coverage. However, it usually only covers about $10,000-$25,000. Any serious car accident is going to cost a lot more than that in medical bills and auto repairs. The other option is to file a lawsuit against the person who hit you. This is why it’s important that you call an experienced Columbus car accident attorney right away. They know exactly what to do in these situations.
Here, we’ll discuss what to do if you’re hit by someone without insurance. We’ll also explain why this can be the worst kind of situation to be in.
Why Would Someone Drive Without Car Insurance in Georgia?
It sounds crazy. Why would someone choose to drive without car insurance? All it takes is a minor fender bender and they could be hit with a lawsuit for thousands of dollars. Even if their car is the only one damaged – don’t they want someone to pay to get it fixed? The problem is, people who don’t have car insurance tend to fall into one of two categories:
They Can’t Afford Car Insurance
If someone can’t afford a couple of hundred dollars a month for car insurance, they probably can’t afford to pay your damages either. Most people do pay for insurance. But, if they’re out of a job or are sick, they truly may not have the money for this expense.
They Just Don’t Care
Sadly, there are a lot of people who just don’t care whether they have insurance or not. They figure, if they get into a car accident, big deal. They’ll get another vehicle if they need to. And, if you do sue, they’ll just ignore the lawsuit and then file bankruptcy.
Unfortunately, in both of these situations, you’re the one with a problem. Here you stand with thousands of dollars in medical bills and nobody to pay them. Yes, your uninsured motorist policy will cover some of your damages. But they won’t pay for all of them. You’ll be lucky if you have enough to get your car fixed.
Can’t Your Columbus Car Accident Lawyer Just Sue the Other Driver?
If the person who hits you doesn’t have insurance, you can certainly file a lawsuit. The problem is, you may not get anything. Even if you win your case, at some point, you need to get the money from the other driver. If they didn’t care about carrying insurance, they probably don’t have any assets to protect. This means they don’t have any assets for your Columbus car accident attorney to go after. You may end up with a judgment that isn’t worth the paper it’s printed on.
Call a Skilled Car Accident Lawyer in Columbus Right Away
If you’ve been hit by someone without insurance, you’re going to need a good personal injury lawyer in Columbus. There’s a good chance that you’re going to need to file a car accident lawsuit against the other driver. This isn’t something you want to handle yourself. The odds are, the other driver isn’t going to be in a position to settle. You’ll probably have to go to trial and get a judgment. Then, once you have a judgment, you’ll need to continue to pursue the defendant. That’s not an undertaking you want to attempt yourself.
Call today and schedule a time to come into our office so you can meet with one of our expert attorneys. The initial consultation is free. You can let one of our team review your case and come up with a game plan. If you choose to retain our services, you won’t pay a dime until you settle or win your case.