Atlanta Uninsured/Underinsured Motorist Accident Attorneys

Injured by an Uninsured or Underinsured Driver? You Have Options

Auto insurance is a legal requirement in Georgia, but there are still many drivers who operate on our roads without coverage. Even drivers who do have auto insurance may only have the minimum policies, making it difficult for their victims to fully recover after a collision that exceeds these policy limits. However, depending on your auto policy, you may be able to recover compensation through your own insurance company.

If you were injured by an uninsured or underinsured driver, Grant Law Office can use its legal expertise to advocate for the highest possible award in your personal injury claim. Our Atlanta uninsured/underinsured accident attorneys can review every available insurance policy to ensure that not a single cent is left out of your claim. To talk about your case in a free consultation, call us (404) 995-3955.

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Georgia’s Auto Insurance Laws

The state of Georgia requires all drivers to have minimum liability insurance policies in order to operate a vehicle, which include:

• $25,000 for a single person’s injuries;
• $50,000 for more than one person’s injuries; and
• $25,000 for property damage.

Unfortunately, over 12% of drivers in Georgia do not have auto insurance, according to the Insurance Information Institute (III). If you are involved in a car accident with one of these drivers, you may have problems recovering full and proper compensation for your injuries. In addition, even if the driver has the minimum coverage, it may not be enough to fully cover your costs due to the collision. In these situations, you may need to rely on uninsured motorist (UM) or uninsured motorist (UIM) coverage.

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What Is an UM or UIM Insurance Policy?

UM and UIM coverage are optional in Georgia, but we highly recommended that drivers to add it to their normal auto insurance policies. Both of these polices provide invaluable coverage after a collision, but apply in different scenarios:

• UM Coverage: UM coverage applies when a driver or pedestrian is injured by a driver who does not have insurance or flees the scene in a hit-and-run accident. In these scenarios, the victim can file a UM claim with her own insurance company in order to cover the costs of the accident, including her medical bills, lost wages, and other damages.
• UIM Coverage: UIM coverage applies when the at-fault driver has auto insurance, but it does not fully cover the damages the accident victim has suffered. For example, let us say the at-fault driver has the minimum policy limit of $25,000 per injury. If this driver injured you in a collision and you sustained $50,000 in damages, you would only be able to recover $25,000 in compensation from the at-fault driver. However, with a UIM policy, you could also file a claim with your own insurance company to recover the remaining $25,000.

If you have UM/UIM coverage, your policy limit must match your liability insurance limit. If you have the minimum liability limit of $25,000, then your UM/UIM policy will also be $25,000.

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What Are Issues You May Face With a Claim?

With every Atlanta car accident claim, whether it involves another driver’s or your own insurance company, you can expect to face an uphill battle. Rather than paying fair compensation to accident victims, insurance companies focus on paying out as little as possible in order to maintain their profit margins. This means they may try to get you to accept a small settlement right after you contact them, or, if you do not accept the settlement, attempt to build a case against you. Insurance companies do this in several ways, including:

• Demanding access to all of your medical records.
• Requiring you to make a recorded statement.
• Requiring you to attend an independent medical exam.
• Hiring investigators to collect evidence against you.
• Scrolling through your social media accounts for things to use against you.

Following a serious auto accident, you do not deserve to have your injuries dismissed or devalued when all you want is fair compensation. Getting that money through an UM or UIM claim requires the assistance of an experienced car accident lawyer, who will stand up to your insurance company’s dismissive tactics.

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Contact an Experienced Atlanta Car Accident Attorney

After an accident with an uninsured or underinsured driver, your best option is to work with a skilled Atlanta personal injury attorney who will fight to get you the highest possible award. Our husband-and-wife legal team at Grant Law Office has decades of experience standing up for accident victims throughout Atlanta. We can review every available insurance policy, including your own, to ensure you get the most out of your claim. If you were injured by an uninsured or underinsured driver in Atlanta, contact us at (404) 995-3955 to discuss your options in a free consultation.

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