It is illegal to operate a motor vehicle on roads, parking lots, or highways in Georgia without auto insurance coverage. Unfortunately, many motorists still drive with insufficient or no coverage. State laws require all auto insurance companies to provide coverage that protects policyholders from financial losses when collisions occur.
Even with coverage, it can be challenging to effectively communicate and negotiate with insurers to receive a fair settlement. The car crash lawyers at Smith Hulsey Law could help individuals navigate personal injury claims and seek maximum compensation after uninsured/underinsured car accidents in Oakwood.
State laws require motorists to carry the minimum liability insurance on all vehicles registered in the state. Policies must include at least $25,000 for each person involved in the collision, with $50,000 for injuries per accident.
Additionally, policies must provide at least $25,000 for property damage per accident. The state also strongly recommends that drivers carry coverage to protect themselves in the event of a crash involving an uninsured or underinsured driver.
The state is considered an at-fault insurance state, meaning that the at-fault driver’s auto insurance policy must cover the damages sustained by others involved in the crash.
To establish fault in a car crash claim, a person must prove that the other driver’s actions caused the incident. This may include evidence of the following:
Establishing fault in a vehicle collision requires proving that the other driver was negligent because they failed to use reasonable care to avoid the crash and prevent harm to others.
After reviewing the case, an attorney experienced in handling uninsured/underinsured motor vehicle collisions in Oakwood could determine who may be held financially liable for the wreck and begin preparing a claim.
Auto insurance policies in the state must include coverage for bodily harm, property damage, and other losses caused by uninsured or underinsured motorists. This coverage, or UM/UIM coverage, is mandatory unless the policyholder declines it in writing. According to the Office of the Commissioner of Insurance and Fire Safety, UM coverage protects the policyholder after crashes involving drivers with no auto insurance coverage.
In contrast, UIM coverage addresses damages caused by underinsured drivers. The minimum required coverage includes $25,000 per individual, $50,000 per accident for bodily injuries, and at least $25,000 for property damage.
It covers medical care, lost pay, property damage, and other losses caused by the at-fault driver. Filing claims after uninsured/underinsured car crashes in Oakwood often requires communicating and negotiating with insurance companies that may attempt to reduce compensation. An attorney could handle these communications to achieve the best possible outcome and advocate on a person’s behalf.
Car crashes can occur suddenly and have long-term consequences. Navigating these accidents can be stressful and frustrating, especially if you discover that the at-fault motorist does not have – or has insufficient – auto insurance coverage.
For uninsured/underinsured car accidents in Oakwood, a committed lawyer could manage your case, negotiate a fair settlement, and protect your rights throughout the process. Reach out to Smith Hulsey Law today to learn more about filing a claim when the driver lacks the necessary coverage.
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