What Happens When the Drunk Driver Has No Insurance
A DUI charge against the other driver is useful evidence, but it doesn't guarantee you'll collect a dollar if they have no insurance. This is where uninsured motorist coverage becomes your most important financial protection. Georgia law allows you to stack certain coverages depending on how your policy is written, and we know how to read those policies.
If the drunk driver is uninsured, we file your claim directly against your own carrier under the uninsured motorist provision. Your insurer will often fight that claim just as hard as any other. We handle the pushback so you don't have to negotiate against your own insurance company alone.
Third-Party Liability in Atlanta Drunk Driving Cases
Georgia's dram shop law holds bars, restaurants, and other alcohol retailers liable in some drunk driving cases. If a business served alcohol to someone who was visibly intoxicated and that person then caused your crash, that business may share responsibility for your injuries. These claims are time-sensitive and require specific evidence, so the earlier we start building the case, the better.
Third-party claims can significantly increase the total recovery available to you, especially when the at-fault driver has limited assets or minimal coverage. Howe.Law identifies these angles early and pursues them alongside your primary drunk driving liability claim.