Imagine being hurt in a car accident—and the person who hit you has no insurance or only the bare minimum. In Georgia, that's the reality for 12–18% of drivers. The difference between having protection or being left holding the bag often comes down to one critical choice: the insurance you carry.
Why Insurance Matters in the First 30 Days
You've already taken steps to investigate the crash and begin treatment. Now it's time to uncover every insurance policy that might apply:
- At-fault driver’s liability insurance – often not enough, especially if they only have the Georgia minimum of $25K/$50K.
- Uninsured/Underinsured Motorist (UM/UIM) coverage – it kicks in when the other driver can’t pay, but only works if you bought enough .
- Umbrella policies – extra layers of protection that build on your existing coverage.
Georgia’s Rocky Road: Too Many Drivers Without Coverage
- Between 12–18% of Georgia drivers lack any insurance.
- Nationally, about 15.4% of drivers are uninsured—nearly 1 in 7.
That means one in every six cars you see on I‑285, I‑85, or GA‑400 might be uninsured. Are you protected if one of them hits you?
What Hasty Pope Does in the First 30 Days — Insurance Edition
We won't stop at “yep, they had insurance.” We'll go further:
- Search public records, accident reports, and your medical forms for hidden policies.
- Contact every insurance company associated with the crash—drivers, passengers, even your own policy.
- Push you to carry high UM/UIM limits, so you're not left underinsured if the worst happens.
At Hasty Pope, uncovering all possible insurance sources empowers us to secure full compensation for your medical care, lost wages, and relief for your suffering.
Key Concepts
- Georgia requires just $25K per person and $50K per accident liability insurance.
- But up to 18% of drivers aren’t insured, and many more are underinsured.
- Your UM/UIM coverage is your safety net—it needs to match your risk .
- We dig deep—our 30+ years of experience in North Georgia car accident law helps us uncover policies other firms miss.
Bottom Line
Don't assume someone else's insurance will fully protect you. In Georgia’s underinsured landscape, it’s vital to secure your own coverage and have it properly applied.
If you've been hurt in a car crash, make sure your first 30 days cover all fronts—crash investigation, medical treatment, and insurance discovery. Because who pays matters just as much as who’s at fault.