
No Insurance After a Crash? Check Your UM Coverage
Hit by an uninsured driver? The claim may not be dead. Uninsured/underinsured motorist coverage on your own policy — or another applicable policy — can still provide a path to recovery.
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Hit by an uninsured driver? The claim may not be dead. Uninsured/underinsured motorist coverage on your own policy — or another applicable policy — can still provide a path to recovery.
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In Georgia, being partly at fault does not automatically end your case. If you are less than 50% at fault, your recovery is reduced by your share of fault — not eliminated.
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The other driver's insurer usually pays once, at the end — not bill by bill. Health insurance, MedPay, and other benefits can bridge the gap, but watch for reimbursement claims.
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A short word of encouragement for the final stretch of the year: remember the vision, adjust the strategy, and run the play.
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Felt fine right after the crash? Adrenaline can mask pain, and symptoms often surface days later. Document new or worsening pain and get medical care promptly.
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Five common missteps — delaying medical care, guessing about fault, posting on social media, losing evidence, and settling too early — can seriously damage an injury claim.
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An adjuster wants your recorded statement? Pause. Ask whose insurer is calling — you may not be obligated to the other driver's company. Never guess, exaggerate, or speculate.
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Report the crash to your insurer right away, keep copies of every document, bill, photo, and message, and get checked out medically — even if you feel fine at first.
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Move to safety, call 911, exchange information without discussing fault, and photograph everything — vehicles, damage, surroundings, and injuries.
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The steps you take in the hours after a crash can shape both your recovery and your claim. Here's a clear checklist.
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