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    • Scott Pryor
      Scott Pryor

      Attorney at Law - Scott is a member of the State Bar of Georgia and is listed in the top 1% of trial attorneys in the nation by the Litigator Awards. He is also a member of Super Lawyers, National Trial Lawyers, the Georgia Trial Lawyers Association—Champion Level and sits on the Communications Committee of GTLA, and the Multi-Million Dollar Advocates Forum.

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    • James MacLelland
      James MacLelland

      COO - James has 25 years of experience building productive teams, scalable processes, and profitable businesses.  Immediately prior to joining The Scott Pryor Law Group, as COO of a national law firm, James built and operated one of the largest legal intake teams in the country. Guiding a team of 70 individuals running 24/7 and 365 days a year they successfully marketed, retained, and onboarded over 200 new clients to the firm daily, achieving a pace and capacity of over 50,000 new clients annually. 

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    • Philip Lorenz
      Philip Lorenz

      Attorney at Law - Philip W. (“Phil”) Lorenz is a seasoned trial attorney, Phil has tried, mediated, or facilitated settlement of tens of millions of dollars in claims and lawsuits over the course of his career.

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    • Paul Dietrick
      Paul Dietrick

      Attorney at Law

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    • Angie Hemmings
      Angie Hemmings

      Client Experience Manager - Angie joined The Scott Pryor Law Group and quickly made her mark on the Firm. Her previous employment on staff at a local church prepared Angie for her current role in client relations and marketing. Meeting prospective clients, checking in regularly with current clients, and staying in touch with former clients are what Angie is passionate about. She wants you to know that you and your family are important to her.

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    • Rhonda Anzaldua
      Rhonda Anzaldua

      Marketing Manager - Rhonda brings over 20 years of customer service and hospitality experience to the marketing and intake team. She is passionate about providing our clients with an outstanding experience from the very first day, and prides herself in her ability to be straightforward and honest but also able to empathize and offer comfort in the difficult conversations.

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    • Steve Ware
      Steve Ware

      Legal Support Manager

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    When a loved one is killed because of another's negligence, it is important to hold them responsible...
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    A quick moment in time, a sudden slamming of the brakes, or a loud blare of a horn can be all the time you have to prepare yourself in the event of a car accident.
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    According to the National Highway Traffic Safety Administration (NHTSA), the number one leading...
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    Motorcycle accidents often involve catastrophic injuries, such as a head or spinal cord injury because the driver...
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    A faulty construction machine that destroys your property, undisclosed side effects in over-the-counter medication, a poorly designed toy...
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    Slips and falls can result in surprisingly serious injuries. Even otherwise healthy people can suffer from severe harm due to a simple fall.
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What Do I Do if I am Hit by an Uninsured Driver?

Car accidents happen. That’s what auto insurance is for, after all. But the way auto insurance is designed, both parties involved in an accident are supposed to have it. This way the responsible party’s insurance can cover the costs. In a perfect world, auto accidents and insurance claims would be the easiest thing in the world.

Too bad this isn’t a perfect world. Unfortunately, many people still take it upon themselves to drive despite not having insurance. For those struck by an uninsured driver, it can feel like a nightmare to get everything sorted out. But, if you are on the ball with your insurance policy, it shouldn’t be a problem.

Today we’re going to look at the three ways that an accident with an uninsured driver can play out. The first is the worst: paying out of pocket to cover your damages. The second is often the best choice: ensuring you have uninsured driver coverage. But if that doesn’t do the trick, a personal injury lawsuit may be your only remaining option. Let’s dive in.

When Should I Pay Out of Pocket?

Honestly? You shouldn’t.

Unless you were the party responsible for the accident, then you shouldn’t pay out of pocket. However, many people think that this is the only option available to them when they get into an accident with an uninsured driver.

If you have the right type of insurance, then it shouldn’t matter that you got into an accident with an uninsured driver; you should still be able to make a claim regardless of the fact that the responsible party failed to have insurance.

But if you don’t have the right type of insurance, then your options are to pay out of pocket or to take the responsible party to court. This can be a hard choice to make. For one, court is expensive. So if you don’t have too much to pay in damages, it may be a better idea to simply pay and move on.

The other downside is that you aren’t guaranteed to win. Your chances are going to be quite decent that you could win, especially if you work with an experienced attorney, but there are never any guarantees when it comes to legal battles. So it could be that you spend the money on a lawsuit, only to walk away with little to show for it.

However, if your damages are anything beyond minor then it is strongly recommended that you don’t pay out of pocket but seek some form of compensation.

Can I Rely On My Insurance?

Typically, going through your insurance company is going to be the best way to seek compensation following an accident. Normally when you get into an accident with another driver, the claim would be made through their policy because they were the one that caused the accident and thus your damages.

But an uninsured driver doesn’t have an insurance company through which you can seek to recover damages. So it will be up to your own company and that will depend largely on what type of coverage you have as a part of your insurance plan.

The absolute best insurance to have in a situation like this is uninsured motorist coverage. Like the name implies, this is coverage that protects you from accidents with uninsured drivers. So when you get into an accident and find out the other party doesn’t have insurance, you don’t have to worry. You know that your own insurance policy covers this situation.

But there is another bonus to having insurance of this variety. Say you get into that same accident and that it really did a number on your vehicle, but the other driver has insurance. Only, as it turns out, their insurance policy is inadequate. Underinsured motorist coverage may also help to make up the difference between your damages and how much their insurance pays.

Standard collision coverage may also help to recover damages done to your vehicle. However, if you want to feel safe and sure that you are covered for a situation like this then you should add uninsured driver coverage to your insurance policy.

Can I Recover Damages Through a Lawsuit?

A car accident lawsuit may be the only option to recover the damages you suffered from an accident with an uninsured driver if you don’t have the right type of insurance coverage. Lawsuits are a gamble, but a good attorney can help to increase the odds in your favor.

In order to pursue a lawsuit, you need to be able to prove a certain chain of effect. You need to have suffered an injury, that injury must have arisen from an accident, that accident had to have been caused by the negligence, carelessness, or recklessness of the other party. If you can show this chain of events, you can win your lawsuit.

A good attorney will work with you to uncover evidence, gather witness testimony, and build a solid case that shows each required piece of information. Building a case takes time, however, so you’ll want to reach out to an attorney pretty soon after getting into an accident.

One thing to note, however, is that often the reason people drive without insurance is that they don’t have the funds to afford it. If this is the case then a lawsuit may actually not be the best way to recover damages, as the other party only has a little to their name. If, however, they simply messed up and let their insurance lapse, then you could potentially recover what you’re after.

When Should I Speak to an Attorney?

You should reach out to an experienced attorney soon following your accident. Dealing with insurance companies on your own is never recommended, as they make more money by using tricks to reduce how much they need to pay out. So even if you have uninsured motorist coverage, you should still work with an attorney to approach your insurance company rather than do so on your own.

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