A crash with a driver who has no insurance can bring more questions than answers. You may be wondering who is going to pay your medical bills or your car repair costs. A Cumming uninsured driver accident lawyer from Van Sant Law helps people sort through these issues and look for every available source of financial recovery.
Many injury claims involve more than filling out insurance paperwork. Our Cumming car accident lawyer investigates the crash, gathers evidence, and deals with the insurance company so you can spend more time focusing on your health.
Since 2003, Van Sant Law has recovered hundreds of millions for injured clients. Our Georgia attorneys live and work in the communities they serve, and we know how local crashes affect families. Call to discuss your next steps during a free consultation. If we move forward, we can even sign your case electronically or arrange for an in-home visit if that works for you.
Our Cumming Uninsured Driver Crash Attorney Will Lead Your Claim
After an accident with a driver who has no insurance, it is easy to assume there is no way to secure your losses. That is not always the case. A Cumming personal injury lawyer from our team reviews every detail of your case to find how you can recover damages.
Our work often includes:
- Investigating how the accident happened.
- Collecting evidence, such as police reports, crash reports, photographs, videos, and witness statements.
- Reviewing insurance policies.
- Looking for additional parties that may share responsibility.
- Calculating the full cost of your injuries.
- Negotiating with insurance companies for a settlement.
- Preparing the case for trial if no settlement is offered.
Some people hesitate to bring a claim because they do not want to create financial hardship for another family. In many cases, the insurance company is responsible for paying covered losses. We work to recover the benefits that may be available so that you are not left carrying the costs caused by the crash.
Founding attorney David M. Van Sant previously represented a large insurance company. His experience and perspective help our team anticipate how insurers examine evidence and assess the value of a claim. We will handle your case on contingency, which means you pay no upfront costs. We receive payment only if you recover damages.
What Makes Uninsured Driver Accident Claims Different?
Uninsured crashes often create problems that do not exist in a typical collision involving insured drivers. If the at-fault driver has no liability insurance, recovering compensation may require a closer look at your insurance policy or other available coverage.
Insurance companies do not always agree that uninsured motorist benefits apply or that your injuries are worth what you claim. They may question the medical treatment received, argue over fault, or dispute how much you say your losses are worth.
How Fault Can Affect Your Claim
Insurance companies sometimes argue that an injured person was partly to blame for a collision. Even if that happens, Georgia law may still allow you to recover damages if you were less than 50% responsible for the accident. How much you receive is generally adjusted to reflect your percentage of fault.
Our Cumming uninsured motorist lawyer handles those conversations with the insurance company and presents evidence that supports your claim. We explain your options so that you know what to expect as your case moves forward.
When Can Uninsured Motorist Coverage Help?
Georgia does not require drivers to buy uninsured motorist (UM) coverage. Even so, many drivers add it to their auto insurance policy because it can provide protection after a crash.
If you carry UM coverage, it may help pay for losses when:
- The driver who caused the crash has no insurance.
- A hit and run driver cannot be identified or found.
- The driver’s insurance company denies coverage.
- The insurance policy does not fully cover your losses, depending on your policy.
Some policies also include protection when the other driver’s insurance limits are too low to pay for serious injuries. In those situations, our Cumming UM claim lawyer will review your policy and explain whether underinsured motorist coverage may apply.
We review the language in the policy carefully so that you understand what benefits are available. We will also answer questions you have about your insurance.
What Damages May Be Available After an Accident?
After we review the accident, we will determine what losses you can seek compensation for. You may be able to recover:
- Medical expenses, including emergency care
- Ongoing healthcare and rehabilitation costs
- Income lost during recovery
- Reduced ability to earn a living in the future
- Physical pain and the impact of your injuries
- Mental and emotional effects of the accident
- Vehicle repair or replacement costs
- Changes to your daily life and favorite activities
How Long Do You Have to File a Lawsuit in Georgia?
Georgia requires most personal injury lawsuits to be filed within two years of the accident under Georgia Code § 9-3-33. Claims involving government entities, minors, or other special circumstances may follow different rules.
Speaking with an attorney from Van Sant Law soon after the accident allows evidence to be preserved and helps avoid deadline issues.
What Should You Do After an Uninsured Driver Crash in Cumming?
Even if the driver does not have insurance, you can still take steps that can support your insurance claim later. If you can, call 911 so that law enforcement officers in Cumming can prepare an accident report.
Get medical care as soon as you can, even if you think you’re fine or that your injuries are minor. Take pictures of the vehicles, the roadway, any visible injuries, and anything else that may help show how the crash happened. If witnesses saw the crash, ask for their names and contact information before they leave.
Save every bill, repair estimate, receipt, and medical record related to the accident. Before giving a recorded statement or accepting a settlement offer, consider speaking with an attorney. Getting legal guidance as early as possible can help prevent mistakes that could affect your claim.
Get Help From an Uninsured Driver Accident Lawyer in Cumming
For more than two decades, Van Sant Law has helped Georgia injury victims after serious accidents involving uninsured drivers. These cases can be complicated, but our team works through the insurance issues so you can spend more time focusing on your recovery.
If you are ready to discuss a claim, Make the Right Call and contact our team for a free consultation. We will explain your options, answer your questions, and discuss how we may be able to help.
