If the driver doesn’t have insurance, they might have to pay your medical bills out–of–pocket. That said, there are other ways to receive money after an accident caused by an uninsured driver. A Marietta car accident lawyer will review your case and determine what your best course of action is.
A lawyer will investigate your accident, build a strong claim for damages, and, if necessary, take the at-fault driver to court. Let’s take a closer look at who pays your medical bills if the driver doesn’t have insurance and how an experienced lawyer will help you pursue damages.
Understanding Georgia’s Fault Laws
To understand who pays your medical bills when the driver doesn’t have insurance, it is helpful to first learn about Georgia’s fault laws. Georgia is a “fault” car insurance state. This means that there is a “fault” system and whoever is at fault in an accident is liable for the damages caused by the accident.
That at-fault party’s auto insurance will generally cover your medical bills and other losses. However, if the driver is uninsured, you’ll have to seek damages another way. In this situation, since the driver is still at fault and has failed to abide by state auto insurance requirements, they could be held personally liable for your injuries and losses.
The Driver Pays Your Medical Bills if They don’t have Insurance
As mentioned above, the settlement you receive after an accident generally comes from the at-fault party’s insurance company. When the driver at fault does not have insurance or is underinsured, there are alternative methods you might use to get money.
Under the tort system, the person at fault in the accident is responsible for your medical bills and other damages. A lawyer will build a strong case on your behalf and take the at-fault driver to court for the damages you’re owed. With the help of a skilled attorney, you’ll have an excellent chance of getting the damages you deserve to move forward.
Meet with a lawyer today to learn more about who pays your accident-related medical bills when the at-fault driver doesn’t have insurance. An attorney will meet with you for a free, no–obligation consultation to discuss your accident and how you should proceed.
Uninsured Motorist Coverage Covers Medical Bills
While taking the at-fault driver to court might be the best course of action for your case, you might find that the driver doesn’t have the money to cover your medical bills and other losses. If they are unable to provide you with the financial damages that you deserve, your liability policy through your own uninsured motorist coverage will come into play.
If you have uninsured motor coverage (UM), you will file a claim with your own policy to get the damages you’re looking for. In this case, your insurance covers the medical costs suffered after an accident with an uninsured or underinsured driver.
The amount of money you receive from your insurance will depend on whether you have excess coverage or the traditional, non-stacking type of coverage. A Marietta uninsured motorist car accident lawyer will offer more information on uninsured motorist coverage and explain who pays your medical bills when the driver doesn’t have insurance.
Damages You Could Receive if the Driver doesn’t Have Insurance
In addition to advising you on who pays your medical bills after an accident with an uninsured driver, a lawyer will also pursue the damages you’re owed. Whether they have to file an insurance claim, civil suit, or uninsured motorist policy claim, your attorney will work hard to get the money you deserve.
Depending on the injuries and losses you’ve suffered, your lawyer will pursue the following damages:
- Medical bills
- Lost wages
- Future lost earnings
- Property damage
- Pain and suffering
Your attorney will work with you to determine which damages you should receive from a claim or civil suit. They’ll calculate the value of your claim and negotiate a settlement or fight for a court verdict that meets your unique needs. Reach out to a lawyer today to learn more about the damages you’re owed.
Learn More About Who Pays Medical Bills When the Driver doesn’t have Insurance
Learning about who pays your medical bills when the driver doesn’t have insurance will help you navigate the legal process after an accident. At Jones & Swanson, we’re here to provide the information and representation you deserve to file a successful claim or lawsuit.
We have over 45 years of combined experience handling auto accident cases like yours, and we have recovered more than $50 million in settlements for our clients.. We will draw on our extensive experience to get the best results possible for you.
Contact us today to schedule a free consultation with a car accident lawyer and learn more about your legal options after a crash. We look forward to hearing from you soon.
