When car crashes occur, people usually expect to file insurance claims. The law requires basic liability coverage from all drivers, and most people try to follow the law. They carry property damage and bodily injury liability coverage. They may also carry supplemental coverage to enhance their financial protection in unusual circumstances.
Unfortunately, Georgia actually has a relatively high percentage of uninsured drivers when compared to other states. People involved in collisions caused by other motorists may not realize until after the crash occurs that the driver who hit them lacks appropriate insurance coverage. In such cases, people with property damage and injury-related expenses may need to explore alternate means of covering their expenses, including litigation.
How frequently do uninsured drivers cause collisions in Georgia?
Georgia has a high percentage of uninsured drivers
Insurance industry professionals look at how frequently people use uninsured motorist coverage to estimate overall compliance with insurance regulations. Statistics make it clear that drivers in Georgia need to prepare for the possibility of encountering uninsured motorists.
According to claims data from 2022, slightly more than 18% of drivers in Georgia likely lack insurance coverage at any given time. In other words, just under one in five collisions involves a driver without appropriate coverage. Those affected by those crashes may need to look into third-party liability and personal injury litigation. They may also need to pursue a complex claim against their own uninsured driver protection.
Recognizing different risk factors on the road can help people protect themselves. Uninsured motorists can make managing the fallout of a car crash a much more challenging process.