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Collisions with Uninsured Drivers in Cumming, GA

Know Your Legal Options After a Car Accident

The consequences of a car accident often include painful injuries, totaled cars, and expensive medical bills – assuming everyone involved has car insurance. Even though Georgia State law requires all motorists to have a bare minimum of auto insurance, hundreds of drivers on our roadways do not. If you have been struck by an uninsured motorist, you will need the legal guidance of an experienced car accident lawyer from the Manton Law Firm, LLC. We have recovered a total of more than $50 million in compensation and restitution for our clients, and you, too, deserve to have the same caliber of professional representation.

What Damages Are Covered in a Collision with an Uninsured Motorist?

If another driver crashes into you and has no insurance – or, in the more likely case, you're involved in a hit-and-run – your insurance company will only provide coverage for actual damages after you pay a deductible. For something to be considered actual damage, it must be capable of being measured and calculated in terms of repair and recovery costs. This means you'll have to pay a certain amount out-of-pocket and then only receive some coverage for your damages and injuries.

Two forms of damages that will not be covered if you are in a collision with an uninsured motorist are:

  • Punitive damages: Cash rewarded to a victim of an accident or criminal act that is intended to punish the offender for causing damage or inflicting harm.
  • Nominal damages: If you are suffering from emotional distress or are notably inconvenienced by the outcome of an accident, cash could be rewarded for nominal damages.

If you are able to receive any information from the uninsured driver, your insurance company may pay the difference between what the uninsured motorist can afford and what you should have been entitled to, had they been insured. In most cases, this is not suitable coverage for accident claims.

What About Underinsured Drivers?

Even more common than uninsured drivers, an underinsured driver is a motorist that is only covered by the state's base requirements, or what is sometimes called liability insurance. Being struck by an underinsured driver can be just as damaging to your finances. Liability insurance in Georgia will only reward you up to $25,000 for your personal injuries and another $25,000 for other damages in the accident. To put this into perspective, if you require $100,000 in medical treatment for injuries you suffered in an accident with an underinsured driver, you'll be looking at $75,000 in bills that you must cover on your own.

Can a Cumming Car Accident Attorney Help Me?

If you have been in a car accident with an uninsured or underinsured motorist and you're now facing repair and recovery bills that are impossible for you to handle, a Forsyth County car accident lawyer from the Manton Law Firm, LLC can help you today. With our assistance, we will show you all the options you have to pursue financial compensation. You may be able to recover losses from the other driver directly, or you might have to sue your insurance company if you feel they are giving you unreasonable restitution for your injuries. No matter what it is you need, we want to be the ones who support you.

Contact our attorney today for a free case evaluation.

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