Getting hit by an uninsured driver can turn a stressful accident into a financial nightmare. But in Georgia, there are legal options that may still help you recover compensation—even if the at-fault driver has no coverage.

Many Georgia drivers carry uninsured/underinsured motorist (UM/UIM) coverage, which can step in to cover medical bills, lost wages, and other damages. This optional insurance protects you when the other driver can’t. If you’re not sure whether you have UM coverage, a car accident lawyer can review your policy and help you file a claim.

Imagine this

You’re rear-ended by a speeding car while stopped at a red light on Peachtree Street. You suffer a concussion and whiplash. At the scene, the other driver admits they don’t have insurance—and they’ve been driving with a suspended license. You’re rushed to the ER, and the bills start piling up. In this case, your own auto insurance could provide coverage through your UM policy, but only if you act quickly and correctly.

Georgia law does not require drivers to carry UM coverage—but it must be offered when a policy is purchased. If you declined it, recovery can be more difficult, though not impossible. In some cases, other responsible parties (e.g., employers of commercial drivers or third parties) can still be held liable.

UM/UIM claims can get complicated fast. Insurance companies may offer low settlements or try to deny coverage outright. That’s why having an experienced Georgia car accident lawyer on your side is essential. We can fight for the full amount you’re owed and handle communication with the insurance companies from start to finish.

If you were hit by an uninsured or underinsured driver in Georgia, contact Parrish Law Firm today to find out what options are available to you. You may have more protection than you think.