U.S. Census date report that approximately 40 percent of the population in Duluth, Georgia are recent immigrants. Many recent immigrants face difficulties obtaining a valid driver’s license. The red tape and bureaucratic hurdles associated with obtaining a driver’s license can be overwhelming. Unfortunately, that means that many people are forced to drive without having a valid license. The reality is that people must try to make a living even if they are violating the law in the process of driving there. However, insurers will not issue an insurance policy to an unlicensed driver. That means that many drivers involved in car accidents in Duluth, Georgia do not have valid insurance, and if you are going to obtain a recovery for your injuries in such an accident, it is going to be through your uninsured/underinsured motorist coverage.
Uninsured motorist coverage protects you when the at-fault driver’s policy limits have been used up or when driver that caused the accident and your injuries has no insurance. Uninsured motorist coverage is the way that we protect ourselves against people that do not have the insurance coverage that the law requires.
Uninsured/underinsured motorist coverage is also the means by which we protect ourselves and our family members in the event that we are in an accident caused by someone that has an insufficient amount of coverage. Let’s say that your leg is broken in a car accident, and that break requires surgery. That surgery and hospitalization will likely cost more than $20,000, so if the driver that caused the accident and your injury had the state-required $25,000 policy limit, there will not be sufficient policy limits to compensate you for your medical expenses and pain and suffering. An “added on” uninsured motorist policy will protect you in this case.
We are local attorneys specializing in the representation of car accident victims in Duluth, Georgia. We know how and where to look for the insurance coverage that you need in order to obtain the compensation you deserve. Contact Hong & Sessions Law today.