Uninsured Motorist Claims in Georgia

Securing Justice On Georgia Roads

Get the facts on uninsured motorist claims in Georgia. Learn how to protect yourself and navigate claims effectively. Contact us today for a free consultation.

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How Uninsured Motorist Insurance Helps Road Users

Georgia law requires all drivers to have liability insurance to drive on roads and highways. This auto insurance policy protects drivers from financial liability for traffic accidents. However, it isn’t uncommon to come across an uninsured motorist, intentionally or not. In such cases, victims of motor vehicle accidents may be left with costly medical bills and other damages.

This is where Georgia’s uninsured motorist benefits come into play. This insurance policy covers victims of accidents when the at-fault driver is uninsured or underinsured. To recover compensation for their damages, victims must file a claim with their own insurance company instead of the at-fault driver’s.

Are you thinking of filing an uninsured motorist claim? This guide will shed some light on this topic to prepare you for your claim. However, you need personalized legal guidance and representation to recover the compensation you deserve. Consult Dressie Law Firm free of charge.

    What Is Uninsured Motorist Coverage?

    While traffic accidents are always unexpected, the rate at which they occur makes it necessary to be prepared for all scenarios. One such scenario is being hit by an uninsured motorist or falling victim to a hit-and-run.

    Georgia requires insurance companies to offer uninsured motorist coverage to ensure drivers are protected in such scenarios. This insurance package protects motorists in an accident involving an uninsured or underinsured motorist. It acts as a replacement for liability insurance to help the victim recover compensation for their damages.

    Usually, the at-fault driver’s insurance company is liable for paying the accident victim for the injuries and damages they sustain. When the at-fault party doesn’t have liability insurance, the victim must find alternative compensation methods.

    Among the available options is UM coverage. This motor vehicle liability policy is not required by law, but drivers purchase it to protect themselves from damages caused by uninsured motorists.

    Types of Uninsured Motor Vehicle Coverage

    Here are the types of uninsured motorist coverage in Georgia:

    1. Uninsured Motorist Bodily Injury (UMBI): UMBI includes medical payments coverage for injuries you and your passengers sustained in a motor accident involving an uninsured driver.
    2. Uninsured Motorist Property Damage (UMPD): UMPD provides compensation for damage to your motor vehicle.

    It’s important to note that UMPD is different from collision coverage. Collision coverage will pay to fix your car regardless of who is at fault, while UMPD only kicks in if the other driver doesn’t have insurance.

    Some states require UM coverage, while others make it optional. It’s always a good idea to check with your insurance agent to see the requirements in your state and discuss if UM coverage is right for you.

    Why You Need Uninsured Motorist Coverage

    study by the Insurance Research Council (IRC) shows that over 12.4% of motorists in Georgia don’t have liability coverage. Getting into an accident with one such driver can put you in a difficult financial situation.

    Accidents often cause injuries ranging from mild to life-threatening; the more severe an injury, the higher the financial burden. Damages sustained by motor vehicle accident victims include medical bills, lost wages, loss of earning capacity, pain and suffering, property damage, emotional anguish, and more.

    When the liable party doesn’t have an insurance policy to pay for these damages, you’ll end up with a massive burden on your shoulders. Consider opting for a reasonable uninsured motorist coverage to avoid such a scenario.

    Georgia Liability Laws

      According to the Georgia Code, every motorist requires minimum liability insurance coverage of:

      • $25,000 per person

      • $50,000 per accident (if multiple people are injured)

      • $25,000 per accident

      Under Georgia’s modified comparative fault system, injured victims can seek compensation as long as their fault in an accident is less than 50%. However, their recovery is reduced by the percentage of fault assigned to them. If their fault equals or exceeds 50%, they may be barred from recovery.

      If the at-fault driver is uninsured or underinsured and you have UM coverage, you can file a claim with your UM insurance policy carrier.

      How to File an Uninsured Motorist Claim

      If you were the victim of a hit-and-run or the at-fault driver is uninsured, you can seek compensation for your damages by filing a claim against your UM car insurance provider. Here’s a breakdown of the process:

      • Contact a credible uninsured motorist claims lawyer for personalized and accurate legal advice and representation.

      • Ensure your attorney collects all crucial evidence and documentation from the scene, including police reports, photos of injuries, related bills, witness testimony, etc.

      • Review your insurance policy with the help of your lawyer to understand your coverage and policy terms.

      • Have your attorney file a claim with your insurance company within the deadline set by your policy. Your lawyer will negotiate with the insurance adjuster for a favorable settlement. Ensure you don’t sign any papers or record any statement with your insurance company in the absence of your lawyer. Additionally, avoid taking quick settlement deals as they are not favorable.

      • If negotiations fail, you can file a lawsuit in court.

      Understanding the time limits set under the Georgia Code for personal injury lawsuits will ensure you get the compensation you deserve. Georgia’s car accident statute of limitations gives an injured party two years to file a claim in court. Beyond this period, you are barred from doing so. 

      However, other situations reduce this time significantly, including public transportation accidents. If an accident happened before you reached 18 years old or if you were mentally incapacitated at the time of the accident, you can file a claim when you come of age or regain your mental capacity, provided it’s not more than five years.

      Average UM Coverage Settlements

      Typical car accident settlement amounts in Georgia depend on several factors, including the severity of body injuries and property damage and how these affect your daily life. There is no limit to the amount you can claim.

      Having a claims attorney to help you during the process will possibly get you better compensation. They can also be helpful if negotiations fail and you want to pursue a claim in court. Court awards are usually higher than out-of-court settlements.

      Dressie Law Firm Can Help

      If you have been in such a situation and own an uninsured motorist coverage, you can file a UM insurance claim to recover damages. Our car accident lawyer at Dressie Law Firm can help you.

      Dressie Law Firm is seasoned in motor vehicle accidents and personal injury cases, boasting 20 years of experience and a credible team. We can help you through the process and ensure you have the resources for a fair settlement.

      Contact us today to schedule your free consultation. Our seasoned legal team will review your case and develop a favorable strategy to ensure you get the compensation you deserve. Don’t let an uninsured motorist accident put you in financial turmoil — contact Dressie Law Firm today!

      The Dressie Law Firm Can Help You

      If you or a loved one is a victim of a reckless or negligent driver, we want you to know that the law is on your side and so is the Dressie Law Firm.

      Contact us today to schedule your free consultation!