Under Georgia state law, all drivers are required to carry auto insurance for their vehicle. However, despite this legal requirement, many drivers still fail to purchase an auto insurance policy while others carry a policy that contains the minimum amount of coverage permitted by law. If you are injured in an auto accident caused by the negligence of an uninsured or underinsured driver, you may need to seek compensation from other sources, such as your own insurance company, in order to avoid bearing the full financial brunt of the accident.
Georgia Uninsured Motorist Law
The state of Georgia requires all insurance carriers to offer uninsured motorist coverage with their policies. You pay for this coverage as part of your premium, and the level of uninsured motorist coverage you opt for will determine the limits of your coverage. Unless you have rejected uninsured motorist coverage in writing, you most likely have at least a minimum amount of coverage on your policy.
Uninsured Motorist Claims
If you have uninsured motorist coverage, you will be able to make a claim against your insurance company if you were injured in an auto accident caused by an uninsured driver. In general, uninsured motorist coverage will compensate you for:
- Medical bills
- Lost wages
- Pain, suffering, and disfigurement
- Loss of future earning capacity
Often, your uninsured motorist coverage may not cover:
- Damage to your car (however, your collision coverage should cover this)
- Punitive damages
It is important to check the terms of your policy, since uninsured motorist coverage varies from policy to policy.
Underinsured Motorist Claims
Underinsured motorist coverage protects you when the driver who caused your accident does not have enough insurance coverage to fully compensate you for your damages. In general, underinsured motorist coverage will compensate you for the difference of the total damages after the other driver’s insurance coverage has been exhausted. For example, if you sustained $100,000 worth of damage in an auto accident and the negligent driver’s insurance only covers up to $50,000, you could seek to recover the other $50,000 from your insurance company with your underinsured motorist coverage.
Experienced Uninsured/Underinsured Motorist Attorney
Uninsured motorist claims are highly technical and complex. Often, your insurance company may try to reduce or deny your compensation. Therefore, it is crucial that you are represented by a lawyer with experience in handling uninsured and underinsured motorist claims. The stakes are too high to take the chance that your claim will be denied based on a technicality. If you do not receive the compensation you rightfully deserve, you may be stuck paying a great deal of money out of your own pocket.
The attorney at Robbins Law, PC has over 30 years of litigation experience in both state and federal courts. We have handled many uninsured motorist claims in the past, and we understand the many complicated rules of law governing these cases. Our experienced lawyer can help give you the greatest likelihood of a favorable outcome for your claim.