Being hit by an uninsured driver doesn't mean you're out of options. Here's exactly what to do — and how to protect your right to compensation.
Georgia consistently ranks among the top states for uninsured drivers. Approximately 12% of Georgia drivers have no insurance at all. If you're hit by one of them, you are not without options — but you need to act quickly and know which coverage applies to your situation.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage is part of your own auto insurance policy. In Georgia, insurers are required to offer this coverage, though you can opt out in writing. If you have it, this is your first line of protection when the at-fault driver has no insurance or not enough.
To file a UM claim, you notify your own insurance company of the accident and identify the at-fault driver as uninsured. Georgia law requires you to file within a reasonable time — delays can jeopardize your claim. Document everything: the police report, photos, witness information, and all medical records.
If the driver fled the scene, you may still have a UM claim under Georgia law — but there are specific requirements. You generally must have physical contact between vehicles (in most cases), report the accident to police within 24 hours, and notify your insurer promptly. An accident specialist can help you navigate these requirements.
Insurance companies — including your own — have financial incentives to minimize your payout. If your injuries are serious, you were out of work, or your insurer is disputing your claim, getting legal representation can significantly increase your recovery. Many accident attorneys in Georgia work on contingency — no upfront fees.
Common questions about uninsured motorist coverage in Georgia.