Georgia Auto Accident Victims May Be Protected Despite Insurance Policy Exclusions

After six years of steady declines the number of traffic fatalities increased in the first nine months of 2012. A report by the National Highway Traffic Safety Administration (NHTSA) estimated that 25,580 people died in auto accidents from January through September compared to 23,884 during the same period in 2011.

Consulting a Clayton County attorney after an auto accident enhances a victim's ability to receive a reasonable settlement. If you have been injured in an automobile accident you should discuss your case with an accident attorney at Shane Smith Law.

Georgia auto accident victims who are injured by unlicensed or uninsured motorists may still be protected despite insurance policy exclusions. This is designed to protect victims; without such protections they would likely face the costs of their injuries despite another's liability.

For example, most insurance companies do not cover injuries caused by an unlicensed driver. According to Georgia law, the vehicle's insurance policy covers anyone driving the vehicle with permission even if a driver has no valid driver's license or insurance. If the auto accident victim does not have uninsured motorist insurance then the insurance policy exclusion for unlicensed drivers is void for public policy reasons. This is because Georgia protects victims from liability for their medical bills after an auto accident. 

If you or someone you know has been hurt in an auto accident, meet with a Clayton County auto accident lawyer. Call the Shane Smith Law to schedule a free legal consultation.

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