Accident other driver has no insurance

The mandatory liability insurance law requires drivers to have coverage of just $25, per person and $50, per accident. If you were severely injured, that amount is woefully inadequate. An overnight hospital stay can cost tens of thousands of dollars. One unfortunate statistic is that drivers without insurance seem to be more accident Estimated Reading Time: 4 mins.  · The minimum amount of coverage every driver in Georgia must have by law is $25, per person and $50, per incident. Even though liability insurance is a legal requirement in Georgia, an estimated 12% of drivers do not have insurance. This can mean that if you are involved in a car accident, there is a chance that the collision will involve. Using Your No-Fault, PIP, or MedPay Coverage. If you live in a no-fault car insurance state, your own insurance coverage will pay for your medical bills and certain other covered losses after a car accident, so the fact that the other driver wasn't insured might not matter as much. Your ability to sue in no-fault states is restricted—you.

If you were the at-fault driver in the accident and you don’t have insurance, you’ll have to pay out of pocket for any damage or injuries you caused — even though you don’t have coverage, the other driver has the right to recover damages from you, meaning they can sue. Car insurance will cover legal fees, but if you’re uninsured, that would also be an out-of-pocket expense. If you’re in an auto accident without insurance and not at fault, it’s the other driver’s insurance that would, in turn, pay for your damages and medical bills. Not holding collision coverage opens you up to lawsuits and paying large amounts of money out of pocket. If all else fails, look to your insurer: When to file a claim to your own carrier. Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. If you have collision insurance, file a claim with your own carrier.

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