Northwest Georgia Uninsured Motorist Attorney
Uninsured and Underinsured Motorist Accidents in Georgia
For every 8 drivers on the road, 1 of them does not have car insurance. According to the Insurance Information Institute, approximately 12% of drivers in Georgia and 13% of drivers in the United States are uninsured motorists. If these drivers cause an accident, they may not be able to pay for the damages. As a result, many people pay extra for uninsured or underinsured motorist insurance.
Unfortunately, purchasing this coverage isn’t always enough. Insurance companies sometimes refuse to cover valid claims or undervalue injury claims.
If you need help dealing with your insurance company during an uninsured or underinsured motorist claim, Pritchard Injury Firm is here for you.
Call us at (470) 577-8152 to get started today.
Georgia Car Insurance Laws
The state of Georgia requires all drivers to carry automobile liability insurance of at least $25,000 per person and $50,000 per accident for injuries and at least $25,000 per crash for property damage. Laws for car insurance are outlined in Georgia Code Title 33. Insurance § 33-7-11. While these statutes don’t require it, Georgia Insurance and Safety Commissioner’s Office also recommends drivers carry uninsured or underinsured motorist coverage to protect them from drivers who break the law.
Uninsured Motorist Coverage
In Georgia, there are two types of un- and underinsured motorist (UIM) coverage. “Traditional” UIM coverage is designed to offset coverage the at-fault driver does not have, so it may not apply if the at-fault driver has some coverage – even if that coverage is not enough to fully account for your damages. “New” UIM, on the other hand, stacks your UIM coverage on top of the at-fault driver’s coverage.
New UIM is more expensive than traditional UIM, but it may be more useful. Make sure you specify which type of coverage you want when purchasing insurance and know what type of coverage you have when speaking with insurance companies after an accident.
Note: We mention the “at-fault driver” a couple of times above. That’s because Georgia is a “fault” state for car insurance, and the person who causes the accident will be liable for any associated damages.
Does UM/UIM Coverage to Hit and Run Accidents?
Yes. If you cannot identify the driver who hit you, you cannot make a claim against their insurance policy, so uninsured motorist (UM) and underinsured motorist (UIM) should kick in. Even when hit-and-run drivers are identified and arrested, they rarely have insurance, nor enough money to account for your damages, so UM and UIM coverage applies. Because of the many unknowns surrounding hit and run accidents, some insurers deny valid UM and UIM claims. Our attorney can help make sure insurers honor their end of your agreement.
Types of Damages You Can Recover
The damages you can recover from your un- and underinsured motorist coverage should be no different than the damages you can recover after any other car accident.
You may be entitled to damages for:
- Medical bills
- Missed wages
- Pain and suffering
- And more
Because the at-fault driver does not have insurance, and most uninsured drivers cannot afford insurance and do not have other assets, your damages will likely be bound by your policy limits. Punitive damages, which apply to some personal injury cases, will not be appropriate, either, because the money will not be coming from the at-fault driver.
We can help you learn more about what types of damages you can expect – and how to make claims and demands against your own insurance policy.
Call Pritchard Injury Firm Today
Uninsured and underinsured motorist accidents can be complicated, but we can help you recover. Our empathetic attorney, Zach Pritchard, will put himself in your shoes, so he can give you the legal advice you need and help you take the appropriate action. At Pritchard Injury Firm, our legal team truly understands what you’re going through.
We offer free consultations to answer all your questions and help you get started with your UM or UIM claim.