Uninsured and Underinsured Insurance

UIM and UM Car Insurance in Atlanta

A car accident can be a stressful time for those involved, and can become more burdensome when the accident victim finds out that the other driver was not insured or was underinsured for the severity of the accident. This is why the state of Georgia requires uninsured/underinsured (UIM/UM) motorist coverage in car insurance policies. If you believe you are being denied full compensation from your insurance company, contact our car accident lawyers for a free consultation.

The minimum for liability insurance coverage in Georgia is $25,000. Unfortunately, in the case of many car accidents claims, this dollar amount is simply not enough to cover the costs of medical bills, lost wages, and automobile repairs that result. In this case, having purchased uninsured or underinsured motorist coverage from your own insurance company should make up the difference, up to your policy amount.

Underinsured and Uninsured Motorist Insurance Claims

Underinsured motorist coverage is implicated when the insurance policy of the driver who caused your accident is not enough to cover the damages you have received. If the at-fault driver is able to pay for the damages out of his or her own pocket, you may choose to sue this person for the dollar amount to which you feel you are entitled. However, if the at-fault driver is unable to cover these expenses, he or she may file a petition for bankruptcy. Underinsured motorist coverage is designed to sidestep this situation and instead cover you for the possibility that the person who caused your accident cannot pay for the damage he or she has caused. Uninsured motorist coverage works in a similar vein, but in these cases the other driver either has no insurance whatsoever, or you have been the victim of a hit-and-run accident. 

Even if you have UM or UIM coverage, the insurance company may deny your claim or award you much less than that to which you are entitled. This may be considered bad faith on the part of your insurance company. These kinds of car insurance policies can be especially confusing, and sometimes having the help of someone versed in insurance company language can be to your advantage. It is important that, in the wake of an accident, you review your policy thoroughly and make sure you understand the full extent of your coverage.

Georgia Underinsured Uninsured Accident Lawyers 

Our uninsured and underinsured motorist insurance lawyers have experience in dealing with insurance companies and understanding insurance policies. If you have been in a car accident that involved and uninsured or underinsured motorist, contact our Atlanta uninsured motorist lawyers to protect your right to compensation under your insurance policy.