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What Happens If I’m Hurt in a Car Accident Without Insurance in Warner Robins, GA?

In Georgia, all drivers are required to possess car insurance to drive on the roads legally. If you were hurt in a car accident and were without insurance, you are likely wondering if you can still recover compensation.

Fortunately, you will not be prevented from pursuing damages for your injuries because you did not have insurance at the time of your accident. After being injured in a car accident, our personal injury lawyers can help you file a third-party claim against the negligent driver’s insurance. We are also prepared to file a lawsuit if insurance proves inadequate. In most cases, this will be the best option to recover the full range of damages you are entitled to.

If you were injured in a car accident without insurance in Warner Robins, our Warner Robins personal injury lawyers can help you determine the right next steps to recover compensation in your case. For a free case consultation, call Howe Law at (844) 876-4357.

What Happens If I’m Hurt in a Warner Robins, GA Car Accident Without Car Insurance?

You likely have many questions after being injured in a car accident without insurance. The biggest question you might have is whether you have any claim to compensation if the other driver was at fault for your accident. The good news is that you can recover financial compensation from an at-fault driver in Warner Robins, regardless of your car insurance status at the time of the accident.

Thus, it is important to understand Georgia’s insurance system and how you can pursue damages. Also, those hurt in a car accident but did not have insurance might need to be made aware of the car insurance requirements in Georgia and the potential minimum amount that could be available if they filed an insurance claim. Our personal injury lawyers are available to answer any questions regarding the best ways to get the compensation you deserve.

At-Fault Insurance

In Georgia, you can pursue damages from an at-fault driver even if you did not have insurance when your accident occurred. This is because Georgia uses an at-fault system for car insurance purposes. When a victim is injured in a car accident, they can either file an insurance claim against the at-fault driver’s car insurance or a lawsuit, whichever seems best suited under the circumstances. Thus, your lack of insurance is not an issue when it comes to recovering compensation under Georgia’s at-fault rules. Still, you will need to provide evidence to the insurance company to show that their policyholder’s negligence was responsible for your injuries.

This would be a problem if you were in a no-fault insurance state or a state that uses “no-pay, no-play” rules. In a no-fault insurance state, car accident victims must recover damages from their own insurance without having to prove fault. Still, they will generally be barred from filing a lawsuit for pain and suffering damages. As such, you cannot file for insurance benefits after an accident if you do not first have a policy. In a “no-pay, no-play” state, victims are completely prevented from pursuing compensation if they do not have insurance, even if the other driver was at fault.

Fortunately, Georgia does not believe that driving without insurance excuses the other driver’s negligence. While you would likely receive a traffic ticket for driving without insurance, that will not prevent you from filing a claim for damages.

Georgia’s Car Insurance Requirements

Every state has laws setting the minimum amount of car insurance liability coverage individuals are required to have to drive. Liability insurance is meant to compensate victims for certain financial losses caused by the other driver’s negligence. Suppose you intend to file an insurance claim against the other driver’s insurance policy. In that case, you should be aware of the minimum policy limits in Georgia since it can impact the final amount you recover in your case.

In Georgia, drivers must carry a minimum of $25,000 in liability coverage for injuries per person. They must also possess $50,000 per accident and $25,000 for property damage. These limits are quite low and might not be enough to cover your expenses fully. You will likely be in a tougher position if you did not have insurance when hurt in your car accident. Fortunately, driving without insurance will not stop our Georgia personal injury lawyers in Warner Robins from filing a lawsuit on your behalf if insurance proves inadequate.

Can I Still File a Lawsuit If I’m Hurt in a Car Accident Without Insurance in Warner Robins, GA?

If insurance is not a viable option, you can still file a lawsuit in Warner Robins if you were hurt in a car accident while driving without insurance. Like an insurance claim, you will need to prove your claims with evidence, but the fact that you were injured in a car accident without insurance will not bar you from filing. You will likely need to pursue this option, considering how low the minimum amount of insurance coverage is required in the state. If the other driver only had the minimum liability coverage, filing a lawsuit will be the next step once that source is exhausted.

Our personal injury lawyers in Warner Robins can also help you file a lawsuit if you were injured by a driver who also did not have car insurance when the accident occurred. In ideal situations, victims will possess uninsured motorist coverage to cover their injuries when an uninsured driver injures them. If you were also without insurance when hurt, you would not have this additional coverage, making a lawsuit the only path to the compensation you deserve. Our Atlanta personal injury lawyers can help you explore which options are available in your case and are ready to file your lawsuit if that proves the best option.

Our Warner Robins, GA Car Accident Lawyers Can Help

Even if you were hurt in a car accident without insurance, our experienced Warner Robins car accident lawyers at Howe Law can provide a free review of your case. Contact us today at (844) 876-4357.

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