Uninsured Motorist Accident Lawyer in Woodstock, GA

Legal Support After a Crash with an Uninsured or Underinsured Driver

Being injured in a car accident is stressful enough, but when the at-fault driver has no insurance or not enough coverage to pay for your damages, that stress can multiply quickly. Unfortunately, uninsured and underinsured drivers are more common on Georgia roads than many people realize.

At Pritchard Injury Firm, we help clients in Woodstock and throughout Cherokee County pursue compensation after crashes involving uninsured motorists. If you’re facing medical bills and lost wages after an accident with someone who can’t pay, our team can help you explore other options and get the recovery you deserve.

How Often Do Uninsured Driver Accidents Happen?

According to the Insurance Research Council, Georgia consistently ranks among the top states for uninsured drivers. This means a significant number of drivers on the road have no liability coverage or carry only the state minimum, which often isn’t enough to cover serious injuries.

Accidents involving uninsured or underinsured drivers often include:

• Rear-end collisions
• Side-impact crashes
• Intersection accidents
• Head-on collisions
• Pedestrian or cyclist strikes
• Hit-and-run incidents

In some cases, the at-fault driver may flee the scene entirely, leaving you to deal with the consequences alone. That’s where uninsured motorist (UM) coverage can help.

What Is Uninsured Motorist (UM/UIM) Coverage?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage are optional types of insurance that protect you if you’re hit by a driver with no insurance or not enough insurance. In Georgia, insurance companies are required to offer this coverage, and many drivers have it without realizing it.

UM/UIM coverage may apply if:

• The at-fault driver has no insurance at all
• The at-fault driver has minimal coverage that doesn’t fully compensate your losses
• The crash was a hit-and-run and the driver was never identified
• You were a pedestrian or cyclist struck by an uninsured driver

Our team can review your policy and determine what coverage is available to help pay for your medical bills, lost wages, and other damages.

What Damages Can UM/UIM Coverage Help Pay For?

UM and UIM coverage can be a lifeline when the other driver can’t cover your losses. If you’re eligible to use this coverage, it may help compensate you for:

• Emergency room and hospital bills
• Follow-up doctor visits and physical therapy
• Diagnostic tests and imaging
• Lost income and reduced earning capacity
• Pain and suffering
• Emotional distress
• Permanent disability or disfigurement

Depending on your policy limits and the nature of your injuries, your total compensation may come from a combination of the at-fault driver’s policy, your UM/UIM coverage, and potentially other sources.

What to Do After a Crash with an Uninsured Driver

If you’re hit by a driver who has no insurance or flees the scene, it’s important to take action right away to preserve your rights.

Here’s what you should do:

• Call 911 and request medical assistance and a police report
• Get as much information as possible from the scene (driver details, license plate, witnesses)
• Take photos of vehicle damage and visible injuries
• Seek medical treatment even if you feel okay at first
• Notify your insurance company, but avoid giving a recorded statement without legal advice
• Contact Pritchard Injury Firm to protect your interests and explore all recovery options

Insurance companies are often hesitant to pay UM/UIM claims fairly, even when you're their own customer. Having a legal team on your side helps ensure your case is taken seriously.

Why Hire Pritchard Injury Firm?

Cases involving uninsured or underinsured motorists can be complicated, especially when you’re trying to get help from your own insurance company. At Pritchard Injury Firm, we understand how to handle these claims efficiently and aggressively to pursue every available source of compensation.

Here’s what we bring to the table:

• We are Woodstock-based and deeply familiar with local roads, courts, and insurance providers
• We offer free consultations and fast access to an attorney by phone or in person
• We charge nothing upfront; you only pay if we recover compensation
• Our bilingual team serves both English- and Spanish-speaking clients
• We treat every case with the attention it deserves and prepare for trial if necessary
• Our reputation speaks for itself: we hold a perfect 5.0-star Google rating from our clients
• Our commitment is clear: We protect. We serve. We win.

You should not have to bear the financial burden of an accident caused by someone else’s irresponsibility.

Frequently Asked Questions About UM/UIM Claims

What if I don’t know if I have UM/UIM coverage?

We can review your insurance policy and help you understand your coverage. Many Georgia drivers carry UM/UIM protection without realizing it.

Can I still file a claim if I was a pedestrian or cyclist?

Yes. If you were hit by a vehicle while walking or biking, and the driver was uninsured or underinsured, your own UM/UIM coverage may still apply.

Will my premiums go up if I file a UM claim?

Filing a UM claim should not affect your premiums because the accident was not your fault. Insurers are not allowed to penalize policyholders for using the coverage they paid for.

How long do I have to file a claim?

In Georgia, you typically have two years from the date of the accident to file a personal injury lawsuit. However, UM claims may have additional deadlines based on your policy. Contacting an attorney quickly is the best way to protect your rights.

Don’t Let Their Lack of Insurance Cost You Everything

If you’ve been injured in an accident with an uninsured or underinsured driver, don’t wait to understand your legal options. Pritchard Injury Firm is here to help you recover what you need to move forward. Call (470) 420-4200 today to speak with a Woodstock uninsured motorist accident attorney who will fight for your future.

Pritchard Injury Firm – Woodstock 
9244 Main Street 
Suite 100 
Woodstock, GA 30188