Cumming
Uninsured Motorist Accident Lawyer

In Cumming, state law requires that all drivers have car insurance. But that doesn’t mean everyone follows the law. Roughly 12% of Georgia drivers are not insured, and many more are “underinsured,” meaning they carry far less liability insurance than they will likely need in an accident.

If you get in an accident with one of these drivers, you may be worried that you will not get the money you need for your medical bills and car repair costs. But you still have rights. You should speak to a good Cumming uninsured motorist accident lawyer immediately. 

John Foy & Associates can help you. We have over 20 years of experience assisting the victims of car accidents, and we have successfully won financial recoveries for clients even when the driver who caused the accident did not carry insurance.

Remember, insurance is only your first line of defense in an accident—it’s not your only line. Let us give you a free consultation with some of the best uninsured motorist accident lawyers in the Cumming area. Call us at 404-400-4000 and get your free consultation today.

What Sorts of Costs Can I Recover аrom an Uninsured Driver in Cumming?

In the City of Cumming, you are entitled to make a full financial recovery whether the other driver is insured or not.  You can receive money for 100% of your costs, including:

• Doctor visits, hospital stays and other medical bills
• The cost of medication
• Long term care, physical therapy or rehabilitation
• Car repairs
• Missed work time

Additionally, if you or your family experienced a serious loss, the law allows you to recover substantially more. This includes accidents that leave you with a disability, that affect your ability to work, or even those that claim a life. No amount of money from the courts can ever make up for this kind of loss, and it isn’t meant to. It is simply a way to help you and your family remain stable financially as you work through a very difficult time. 

I Was Injured in a Car Accident and the Driver Had No Insurance. What Should I Do?

You should:

• Call the police
• Exchange info
• Stay calm, don’t argue
• Get witnesses
• Take as many photos as possible
• See a doctor immediately

Most importantly, do NOT make a recorded statement to the insurance company until you speak to a lawyer

How Can I Recover Any Money If the Other Driver doesn’t Have Car Insurance?

It depends on the circumstances. In Georgia, every car owner is supposed to have a policy that meets certain minimum requirements. These include:

• At least $25,000 in bodily injury insurance for each person injured
• At least $50,000 in bodily injury insurance total for each accident
• At least $25,000 in property insurance

Even if the driver carried this insurance, it’s not uncommon for the costs of an accident to run much higher. This means it’s relatively common in Georgia to need to recover money even when a policy won’t cover it. Dealing with a completely uninsured motorist is no different. 

When we take on your case, we start by looking for other ways the costs can be paid. This can include:

• There may be other insurance policies that we could approach with a claim
• Your own car insurance may carry some protection for uninsured/underinsured motorists
• The driver who caused the accident may be able to pay some costs out of pocket or may have assets that can cover the costs

Our goal is to help you recover all of your costs. We don’t believe it’s fair for you to have to pay out of pocket for an accident that wasn’t your fault. We understand the local courts and we pursue every legal channel to get you the money you need. 

What Should I Do If I Was in an Accident With a Driver Who Has No Insurance?

The best thing that any accident victim can do is to be your own best advocate. That means taking basic steps to protect your rights and get the information you need to make a strong claim. Here are steps you can take from the moment after the accident:

• Call the police. The other driver might want to “work it out” between just the two of you. Don’t listen. If they don’t have insurance they likely also don’t have a lot of money to spare and you need a police report to have a strong claim. Stay calm and call the police for every accident. 
• Exchange information. You should get the other driver’s name and contact information. We always recommend asking to see their driver’s license so you can see that they’re giving you accurate information. 
• Talk to witnesses. Other people may have seen what happened. Ask bystanders at the scene what they saw, and ask for the contact information of anyone who witnessed the accident.
• Take pictures or video. Simply snapping clear photos with your cell phone can help give investigators a clear idea of what happened and the damage caused. You might also video record your conversation with the other driver, especially if you suspect they may be intoxicated. A video will provide valuable evidence if so. 
• Stay cool and in control. It’s normal to get nervous after an accident, but do your best to stay calm at all times. The other driver may yell or try to blame you, but do not admit fault. Avoid apologizing or explaining yourself. 

Above all, talk to a lawyer. The law allows you to recover your costs, but it’s complicated and difficult when there is no insurance policy to draw from. The sooner you speak to a good lawyer the sooner they can help you.

Talk to a Cumming Car Accident Lawyer for Free

John Foy & Associates has one mission: to help people injured in an accident. Recovering from an injury can be a long, frustrating process—but it doesn’t have to become a financial anchor around your neck. Let us give you a FREE consultation to discuss your legal options.

Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.