Uninsured and Underinsured Motorist Claims

Canton Uninsured & Underinsured Motorist Accident Claims Attorney

Understanding UI/UIM Claims in Georgia

In Canton, GA, the roads are bustling with drivers, but it’s important to be aware that not all drivers are insured. According to the Insurance Information Institute, as of 2022, approximately 18% of drivers in Georgia lack car insurance. This statistic is concerning, especially when accidents happen, as uninsured drivers may not have the means to cover damages. To protect yourself, many residents opt for uninsured or underinsured motorist insurance.

However, simply having this coverage doesn’t guarantee a smooth claims process. Insurance companies can sometimes deny valid claims or undervalue the injuries sustained in an accident. If you find yourself in this situation, the Pritchard Injury Firm is here to assist you.

Call us at (470) 577-8152 or complete our online form to get started. Make an appointment to speak with an experienced UI/UIM accident lawyer in Canton at Pritchard Injury Firm.

Car Insurance Laws in Georgia

Georgia mandates that all drivers carry a minimum of $25,000 in liability insurance per person and $50,000 per accident for bodily injuries, along with at least $25,000 for property damage. These laws are detailed in Georgia Code Title 33, § 33-7-11. While uninsured motorist coverage isn’t required, the Georgia Insurance and Safety Commissioner strongly advises drivers in Canton to carry it to protect themselves from uninsured drivers.

Types of Uninsured Motorist Coverage

In Georgia, there are two primary types of uninsured and underinsured motorist (UIM) coverage:

  • Traditional UIM Coverage: This type is designed to cover the gap when the at-fault driver lacks sufficient insurance. However, it may not apply if the at-fault driver has any coverage, even if it’s inadequate.
  • New UIM Coverage: This option allows you to stack your UIM coverage on top of the at-fault driver’s insurance. While it may be more expensive, it often provides better protection.

When discussing your insurance options, ensure you understand which type of coverage you’re purchasing. Knowing your coverage can significantly impact your claims process after an accident.

Hit-and-Run Accidents and UM/UIM Coverage

What happens if you’re involved in a hit-and-run accident in Canton? In such cases, your uninsured motorist and underinsured motorist coverage should come into play. If the driver is unidentified, you won’t be able to file a claim against their insurance. Even if a hit-and-run driver is later found, they often lack insurance or sufficient funds to cover damages. Unfortunately, insurers may deny valid UM and UIM claims in these situations. Our attorneys are here to ensure that your rights are protected and that insurers fulfill their obligations.

Recoverable Damages from UM/UIM Coverage

The damages you can recover through your uninsured and underinsured motorist coverage are similar to those you would recover after any car accident.

You may be entitled to compensation for:

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • And more

Since the at-fault driver typically lacks insurance and assets, your recoverable damages will likely be limited to your policy limits. Punitive damages, which may apply in certain personal injury cases, are generally not applicable in these situations because the at-fault driver won’t be the source of compensation.

Our Canton UM/UIM accident lawyers can guide you through the types of damages you may be eligible for and assist you in making claims against your policy.

Contact Pritchard Injury Firm

Navigating the complexities of uninsured and underinsured motorist accidents can be challenging, but you don’t have to face it alone. At Pritchard Injury Firm, our dedicated attorney, Zach Pritchard, understands the difficulties you’re experiencing and is committed to providing the legal support you need.

We offer free consultations to address your questions and help you initiate your UM or UIM claim.

Reach out to the Canton uninsured motorist attorneys at Pritchard Injury Firm for a complimentary case review. Your recovery is our priority! Call (470) 577-8152 or complete our form.

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