Carrying motor vehicle insurance is mandatory, just like having a driver’s license. You are a responsible driver who has consistently maintained insurance coverage since getting your own vehicle. Although you might expect other drivers to also comply with the law, there are some people who intentionally cancel their policies or allow them to lapse due to delays in payment.
These drivers leave others with no protection if they cause a wreck. If you get hurt in a crash caused by another driver, their insurance policy will usually cover the cost to repair your vehicle and treat your injuries — but, what happens if the other driver doesn’t have insurance?
Some drivers can make use of their own policies
Although Georgia only requires liability coverage, every driver has the option of adding more protection to their policy. If you have uninsured motorist protection or collision coverage, you may have the choice to file a claim against your own insurance policy.
Of course, not everyone realizes how important extra coverage can be until they get in a situation where they may require it. What if you don’t have uninsured motorist protection or don’t want to file a claim against your own policy?
You may have grounds for a civil lawsuit
If you can show that the other driver was negligent or violated the law prior to the collision, you may be able to take them to court. You could potentially secure compensation for vehicle repair or replacement costs and any significant injuries you suffered.
Understanding what happens after a Georgia motor vehicle collision can help you handle the consequences of your crash.