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Georgia FAQs

What Happens If I'm Hit By An Uninsured Driver In Georgia?

Georgia drivers hit by an uninsured motorist may have UM coverage that pays out. Injury Case Pro offers Georgia crash victims a free case review.

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Category: Georgia FAQs

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Overview

Being hit by an uninsured driver in Georgia doesn't mean you're out of options. Georgia insurers must offer uninsured motorist (UM) coverage on every policy, and unless you rejected it in writing, you likely have it as part of your own coverage. That protection can step in to pay for your injuries when the at-fault driver has no insurance to cover the damage they caused.

Frequently Asked Questions

What happens if I'm hit by an uninsured driver in Georgia?
If you carry uninsured motorist (UM) coverage, which Georgia law requires insurers to offer on every auto policy, you can file a claim with your own insurance company to cover your injuries and losses. Under O.C.G.A. § 33-7-11, this coverage is included automatically unless you specifically declined it in writing.
How do I know if I have uninsured motorist coverage?
Check your policy declarations page, or call your insurance agent directly. Because Georgia requires a signed written rejection to opt out, many drivers have UM coverage without realizing it.
What if I don't have uninsured motorist coverage?
Without UM coverage, recovering compensation from an uninsured driver usually means pursuing that driver personally, which can be difficult if they don't have significant assets. This is a situation where a lawyer can help evaluate what realistic options remain.
Does UM coverage also apply to hit-and-run accidents?
Yes, in most cases. Hit-and-run accidents are typically treated like uninsured motorist claims because the responsible driver's identity and insurance are unknown, so your UM coverage can often apply.
Will filing a UM claim raise my own insurance rates?
It's possible, since it's still a claim on your policy, but the impact varies by insurer. A quick conversation with your insurance company or an attorney can clarify what to expect before you file.

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This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.

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