You were hit by another driver who ran a red light. The crash left you with medical bills and a damaged vehicle. Then you learn the at-fault driver carries no insurance, leaving you uncertain about how to recover pay for your losses.
What are your immediate steps after the crash
Georgia law requires drivers to carry liability insurance, but not everyone complies. After the collision, call the police and request a crash report. Document the scene with photos of vehicle damage, skid marks and road conditions. Exchange contact information with the other driver, even if they admit having no coverage. This information becomes critical if you pursue a claim later.
Can your own insurance cover the damages
Your own auto policy may include uninsured motorist coverage, which pays for injuries and property damage when the at-fault driver lacks insurance. The state does not mandate this coverage, but insurers must offer it when you buy a policy. Review your policy declarations page or contact your insurer to confirm whether you bought this protection. If you carry this coverage, file a claim with your insurer. The insurer evaluates your damages and pays up to your policy limits, minus any deductible.
What legal options exist against the driver
You may file a personal injury lawsuit directly against the uninsured driver to recover pay. Courts can award damages for medical costs, lost income and vehicle repairs. Winning a judgment does not guarantee payment, however, since many uninsured drivers lack assets to satisfy the award. State law allows wage garnishment and property liens to collect judgments. An attorney can assess whether pursuing a civil claim makes sense based on the driver’s financial situation and the severity of your injuries.
Protecting your financial recovery
Dealing with an uninsured driver complicates your path to pay, but options exist. Speaking with a qualified attorney can clarify which approach offers the strongest chance of covering your medical costs and repair bills.