What Should I Do If I’m Hit by an Uninsured Driver?

Multiple vehicles with severe collision damage at the scene of a crash involving an uninsured driver.

There are several things you should be aware of if you are hit by an uninsured driver. A driver may have an insurance card at the scene of a wreck but you have no way of knowing whether that insurance is expired, whether it applies to that particular vehicle, or whether that driver has permission to be driving that vehicle. So what should you do if you’re hit by an assumed uninsured driver?

Find out if the driver is, in fact, an uninsured driver.

Being hit by an uninsured driver could mean a handful of things.  There could be no insurance on the vehicle or the person that hit you may not be authorized to drive that vehicle. An attorney can determine whether the at-fault driver is uninsured by looking at the police report and sending a letter to the applicable insurance company to find out if that person is a proper driver.

Notify your own insurance company.

Most automobile insurance contracts require you to notify the insurer about any car accident within a reasonable time. If you do not comply with the terms of the insurance contract, your insurer may deny coverage.  If you have been hit by an uninsured driver, the uninsured motorist coverage of your policy would be utilized to cover any damages you suffered in the wreck.  If you are hurt by an uninsured driver, it is best to speak with an attorney because your own insurance company is going to defend that case against you, which puts you in a tricky position.

 Identify all insurance policies.

There are many different types of insurance policies and it is important to locate and share them all with your attorney.  Some insurance companies write specific policies for each vehicle in a household where as others write one policy that covers all vehicles in a home. 

Additionally, most all of your common insurance companies have what is known as resident relative coverage. This means that all relatives from the same household are entitled to use insurance policies from all other relatives in the same household, regardless of company.

 Treat your wreck like any other wreck.

Just like if you were hit by an insured driver, follow the same steps we suggest doing after any wreck.  Click here to read the 7 MOST IMPORTANT things to do after an accident. 

 If you are the victim of a hit and run, your case would be treated the same as if you were hit by an uninsured driver.  Your own insurance company is going to defend that case against you, so it is important to document as much as you can, take photos, look for witnesses, and seek medical treatment.

If you have been hit by an uninsured driver and would like to discuss your case, call Attorney Jared Easter at Williams Elleby Howard & Easter for a free consultation.  833-LEGAL-GA.  

Do I Have to Provide Insurance Companies With My Medical Records?

Yellow folders with the words medical record on them and a stethoscope laying on top of the folders.

Automobile accidents happen in the blink of an eye, but the consequences of them, even when you are not at fault, last much longer. The physical and financial recovery from automobile accidents can take months to years. Dealing with insurance companies is often one of the more stressful parts of the experience.

As well-known Georgia personal injury attorneys, we often get asked whether insurance companies have to be allowed access to your medical records after an accident. The answer depends on which records they are seeking.

Insurance Companies Can Get Some Medical Records

If you’ve been in a Georgia motor vehicle accident with injuries and are seeking compensation for those injuries from your insurer, or another driver and their insurer, you will have to show documentation of your injury. Since your injury is at issue, insurance companies will be allowed some access to your medical records.

The purpose of permitting insurance companies access is to allow them to investigate the truth of your claim. The records they may review are those that could be relevant to your Georgia automobile accident claim. While insurance companies should be allowed to verify your claim, they’re known to overreach, get more of your medical records than they are entitled to, and try to use them against you.

Be Cautious of Medical Record Requests

Insurance companies hope to find some pre-existing injury in your medical records to point to as the cause of your injuries, rather than it resulting from the Georgia motor vehicle crash. For example, if you suffered a neck injury, an insurance company may try to blame it on a sports injury you suffered 10 years prior. They will look for anything in your medical records to support their position. Seemingly innocuous doctor’s visits from the past can be turned against you.

Insurance companies have tricky ways of getting these records, such as having you sign a medical record authorization form that is very broad or lacks proper HIPAA language, or requesting more records than they are legally entitled to in the hopes you will turn them over voluntarily because you don’t know you can deny the request. We recommend that you always consult with an attorney before granting an insurance company’s medical record request. An attorney can help you understand what requests are proper.  If any requests are not proper, the attorney can help you file the proper objectives and protect your medical privacy.

If you have been injured in a Georgia motor vehicle accident and are worried about pursuing your claims because of medical privacy concerns, contact Williams Elleby Howard & Easter at 833-LEGALGA to set up a free consultation with one of our caring, experienced attorneys. We’d love to discuss your case, your rights, and your options.

Georgia Auto Insurance Laws

A man wearing a suit in the background with the words ARE YOU INSURED in the foreground.

In Georgia, car insurance is required. It is there to protect both drivers and passengers in the event of an accident.

Minimum Requirements

If you drive a car in Georgia, you must have automobile liability insurance for the minimum limits required by law to drive on public roads and highways. Liability coverage pays for any damages you may cause to another driver or their property while on the road.

The minimum limits of liability required under Georgia law are:

  • $25,000 for bodily injury per person in an accident;
  • $50,000 for bodily injury or death of multiple people in an accident; and
  • $25,000 for property destruction of others in an accident.

Acceptable proof of Georgia liability insurance coverage:

  • Proof of insurance, filed by your insurance company, in the Department of Revenue’s database.
  • Rental agreement for a vehicle that is being rented.
  • Bill of Sale dated within 30 days of the date the vehicle was purchased and a valid insurance binder page.
  • A valid Self-Insured Insurance Card and a Certificate of Self-Insurance.
  • Valid Insurance policy information card for Georgia International Registration Plan.

Optional Coverage

If you can afford it, it is recommended that you also purchase additional coverage beyond the liability insurance. While additional coverage is not required by state law, it may be  required by the bank or finance company if there is a loan on the vehicle or if the vehicle is being leased. Additional coverage provides you with extra protection in the event of not only a collision but other non-accident related damages to your car.

Here are the most common types of optional kinds of insurance:

  • Collision Insurance: This covers you in the case of collision with other vehicles.
  • Comprehensive Insurance: This covers your car for non-accident related damages such as theft, vandalism, and fire damage.
  • Uninsured Driver Insurance: This covers you if you are hit by an uninsured or underinsured driver.

Showing Proof of Auto Insurance

You should keep a copy of your insurance policy card and registration in your vehicle. You must also be registered in the Georgia Electronic Insurance Compliance System (GEICS). This is used by law enforcement during traffic stops. Your insurance provider is responsible for registering you with GEICS.

Here are some common instances where you might need to show proof of auto insurance:

  • At the DMV when renewing, reinstating, and changing license plates.
  • At the request of a police officer during a traffic stop.
  • After an accident.

The Penalty for Driving Without Insurance

Driving a vehicle while the registration is suspended, revoked, or canceled is a criminal offense.

By law, the Georgia Department of Revenue must:

  • Suspend or revoke the registration of any vehicle that does not have continuous Georgia Liability insurance coverage.
  • Fine the vehicle owner/lessee $25 for any lapse of coverage while the vehicle is actively registered.
  • Fine the vehicle owner/lessee up to $160 in addition to the $25 fine if the lapse of coverage fine is not paid within 30 days and
  • Refuse to renew or reinstate vehicle registration for any of the following:
    • Fines have not been paid
    • An unresolved lapse of coverage
    • The vehicle is not insured

For More Information, Contact Our Georgia Car Accident Attorneys

If you have been in a car accident and you feel like you are owed compensation from an insurance company, contact  Williams Elleby Howard & Easter to schedule a free consultation by calling 833-LEGALGA.