What Happens When The Other Driver Is Uninsured Or Underinsured?
Although Georgia requires drivers to have car insurance, there are still an alarming number of drivers on the road who do not have insurance. According to a 2014 study by the Insurance Research Institute, one in eight drivers are driving without any kind of coverage at all. Many more drivers carry only the legally required minimum policy, which may not cover the damages if they cause a crash.
At Sams, Larkin & Huff, LLP, we understand that car accidents are stressful and traumatizing enough without worrying about who is going to pay for your damages and suffering. We are not afraid to take on insurance companies in order to get you the compensation you are entitled to under the law. This includes fighting your own insurer for coverage under your auto policy.
How UM/UIM Coverage Works
If the person who caused the crash that resulted in your injury does not have any insurance, you may be wondering where payment for your damages will come from.
- Uninsured motorist (UM) coverage is a coverage that exists as part of your auto policy’s liability insurance. If you have UM insurance, it pays for your injury and any property damage as if the at-fault driver was insured under the same policy.
- Underinsured motorist (UIM) coverage works similarly. If the at-fault driver has a policy that is insufficient to cover your damages, your auto policy should make up the difference as long as it does not exceed the amount of your primary coverage.
Insurance Companies Are Not On Your Side
Both UM and UIM policies that are in place can cover you when case situations like these arise. That does not, however, mean that your insurance company is on your side. They may try to deny or reduce your compensation, or they may offer you a settlement lower than what you may be entitled to. We will work with you to analyze your coverage and pursue all avenues to obtain the best result possible.
Experience You Can Count On
Our Georgia-based lawyers know firsthand how insurance companies operate and the tactics they use, and we are committed to helping you make them honor their contract with you. Call us at 770-884-4819 or toll-free at 866-401-4401 to schedule a free initial consultation, or contact us through our website.