Atlanta, Georgia Uninsured / Underinsured Car Accident Lawyer

In Georgia, every driver is required to purchase auto insurance. Georgia’s insurance requirements are listed as 25/50/25. This means that a driver must have a minimum of $25,000 in liability coverage per person and $50,000 per accident.  A driver must also have $25,000 in property damage coverage.

This auto insurance requirement is intended to insure that a driver who causes a car accident can compensate victims. A person who caused an accident and injured three people, for example, would be covered for up $25,000 per person injured in the accident with a maximum total payout of $50,000 in injury coverage for the crash.

Unfortunately, not every driver purchases the required minimum auto insurance. Some purchase no insurance at all. In other cases, you may be involved in a crash with a driver who has purchased only the minimum and your injuries may exceed $25,000 in costs. When either of these situations occurs, you may find yourself left with uncompensated financial costs. You may wish to bring an underinsured or uninsured motorist claim if this happens, and our experienced Atlanta Car Accident Attorneys can help.

What is Uninsured/Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage is additional insurance protection that you can buy from your auto insurer.  In Georgia, a law was passed in 2008 requiring auto insurers to provide revised Uninsured motorist coverage unless you reject this type of protection in writing. As such, most drivers in Georgia will have this type of insurance protection.

Uninsured motorist coverage kicks in to provide you with coverage if you are involved in a car accident with a driver with no insurance. If the uninsured driver is responsible for causing your auto accident, he is supposed to be financially responsible and pay the bills. Unfortunately, without insurance coverage, that driver may be unable to actually pay.

While you could sue him personally, chances are he would not have many assets and you wouldn’t actually be able to collect any money even if you won your case.   Uninsured motorist coverage is a better solution because your own insurer essentially stands in for the uninsured driver and compensates you as that driver would.

Underinsured motorist coverage works in a similar way, but covers you in cases where a driver doesn’t have enough coverage. For example, if you are in a crash caused by a driver that has only $25,000 in coverage and you suffer injuries that cost $100,000 to treat, then you would be able to make a claim through your own underinsured motorist coverage to recover the excess costs that the responsible driver couldn’t pay.

Uninsured/Underinsured Motorist Coverage Problems
Although uninsured and underinsured motorist coverage is supposed to cover you fully, up to the policy limits, people often have problems obtaining fair compensation from their insurer for their losses. The problem is that insurance companies are trying to protect their bottom line, and not to look out for your interests. As such, the insurer may deny a legitimate claim or may try to offer you a really low amount of money that doesn’t actually compensate you fairly.

To make sure you don’t run into difficulties and to obtain the compensation you deserve, it is advisable to work with an experienced Atlanta Car Accident Attorney. Our Atlanta Car Accident Lawyers will negotiate with the insurance company on your behalf to get you a fair settlement. In the event that your insurer unfairly denies your claim without justification, then your attorney can also pursue a bad faith action against your insurer.

Getting Legal Help from an Atlanta Car Accident Lawyer Caused by an Individual who is Uninsured or Underinsured

At Sammons & Carpenter, P.C., we believe that everyone is entitled to the full protection that their insurer promises them when they buy an insurance policy. When you buy uninsured or underinsured motorist coverage, you pay for protection and peace-of-mind. It is not right when an insurer doesn’t compensate you fully for your losses and we fight to make sure that this never happens to you.

Our Atlanta Car Accident Lawyers will use our legal knowledge and experience as well as our top-notch negotiating skills to make sure the insurer pays you what you deserve.

To learn more about how we can help you after your accident, contact us online or give us a call at 404-814-8949.  
 

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