Find out what your case is worth One click that’s it
November 24, 2020

Get the Payment You Deserve After an Accident with an Uninsured or Underinsured Driver

Most states require motorists to have liability insurance for their cars. But too many motorists fail to obtain this insurance. Others fail to buy adequate amounts. If you are involved in a motor vehicle accident with one of these drivers, you must rely on your uninsured / underinsured motorist protection. This is also UM / UIM coverage. However, insurance companies are reluctant to pay UM / UIM insurance claims. An insurer may try to delay payment, pay less than you deserve or deny your claim outright. You can’t let this happen to you.

If you have been in a car accident, the UM / UIM insurance claims lawyers can help you get the payment you deserve. We understand the auto insurance industry. We’re experienced in successfully negotiating with insurance companies and taking them to court to get results for our clients. For a free review of your case, call us today or use our online contact form.

Uninsured / Underinsured Motorist (UM / UIM) Claims

Georgia law requires drivers to carry minimum liability limits of $25,000 per person and $50,000 per accident. They must also carry $25,000 in property damage coverage. This amount often fails to cover a driver’s total losses, particularly in a crash that results in serious injury or death.

The Insurance Research Council estimates that 25 percent of all motorists drive without insurance. The problem of uninsured and underinsured motorists is so serious that Georgia passed laws allowing drivers to buy additional coverage for protection in these situations. Such “add-on” or “stackable” UM / UIM coverage is available in addition to traditional (“non-stackable”) under-insurance coverage.

Drivers involved in a wreck caused by another motorist can draw upon UM / UIM coverage when the other driver either doesn’t have liability insurance or doesn’t have enough insurance to cover their losses. A UM / UIM insurance policy can help an injured motorist to recover or help a family whose breadwinner has been killed in an accident.

But a UM / UIM insurance policy – or any automobile insurance policy – is only helpful when the insurance company promptly pays the injured motorist’s claim. Insurance companies stay in business by collecting more money in insurance premiums than they pay out for insurance claims. They have a variety of ways to delay action, obscure policy details and short-change policy holders. They may also reject and deny legitimate insurance claims.

The attorneys of Monge & Associates won’t allow insurance companies to get away with these kinds of bad-faith practices.

Contact Our Monge & Associates UM / UIM Insurance Claims Lawyers Today

If you have been in a car accident that involved an uninsured or underinsured motorist, speak to our UM / UIM insurance claims lawyers right away. Insurance law and insurance policies are complex. Insurance adjusters can make it look like they are doing the right thing for a policyholder when, in fact, they are not.

Monge & Associates understand insurance law and insurance policies, including UM / UIM insurance coverage. We are strong negotiators. We are more than willing to take insurance companies to court. For a free case evaluation, call us today at or use our online contact form. Remember, if we don’t win, you don’t pay us.