In Georgia, as in most other states, motorists must carry auto insurance with the minimum coverage the state requires.
However, not every driver follows the law. What should you do if you are the victim of a vehicle crash caused by an uninsured driver?
The negligent driver might offer you cash to pay for any damage to your vehicle without interference from law enforcement or insurance companies. It is impossible to estimate the cost of repairs, especially since there could be unseen damage. The other driver is no doubt impatient to leave the scene, but it is not a good idea for you to accept the offer of cash.
Document the crash scene
Record as much information as you can about the crash scene: the location, time of day and weather conditions. Use your cell phone to take photos of the damage to your vehicle, the license plate of the other vehicle, and, if possible, a picture of the driver. Most important, report the accident to the police. Even if an officer does not visit the scene, your call will generate a police report.
Seek medical attention
Even if you feel fine after the collision, seek prompt medical attention since you could have underlying injuries. In addition, your doctor will write a medical report. This, combined with the police report, will be important for purposes of insurance compensation.
Maintain uninsured coverage
An insurance policy that includes uninsured motorist coverage will allow you to compensate for the lack of same by the negligent motorist. Keep in mind that without your own uninsured motorist coverage, you would have to take the negligent driver to court or make out-of-pocket payments for your medical bills and the damage to your vehicle.