All drivers in Georgia are required by law to carry the minimum liability insurance. Unfortunately, not every motorist follows this law. If you are hit by an uninsured or underinsured motorist or are involved in a hit-and-run accident, you may feel like you are out of luck. However, it may still be possible to recover compensation if you have uninsured/underinsured motorist (UM/UIM) coverage through your own auto insurance provider.
Understanding and pursuing UM/UIM claims can be very complicated. You may even have this type of coverage without realizing it. The Atlanta uninsured motorist lawyers at Monge & Associates can help you determine if you eligible to file an uninsured or underinsured motorist claim. If so, we can help you navigate the process from start to finish. Our skilled attorneys have decades of legal experience and have handled all types of auto accident claims. We understand how the system works and are here to advocate tirelessly for you and the compensation you deserve.
Contact us online or call (800) 860-8021 to find out if you have a case and how much it really worth.
Types of Uninsured/Underinsured Motorist Coverage in Georgia
By law, all auto insurance providers are required to offer UM/UIM coverage to policyholders. Unless you expressly denied this coverage, you may already have it.
There are two types of UM/UIM coverage available in Georgia:
- Stacking: This type of coverage, also known as excess or add-on coverage, is always available to the policyholder, regardless of the type of insurance held by the negligent driver. In other words, if you are hit by another motorist who does have auto insurance, you can use stacking UM/UIM coverage to cover any losses that exceed the amount held by the liable driver. This coverage is useful in instances of underinsured motorists whose coverage is not sufficient to cover the cost of your damages following an accident or in hit-and-run accidents.
- Non-Stacking: This type of UM/UIM coverage is only available if your coverage exceeds the liability limits of the at-fault driver. For example, if you are hit by a motorist who has a liability policy that covers up to $25,000 in damage, but you have $75,000 in non-stacking UM/UIM coverage, you will be able to recover $50,000 (your coverage of $75,000 minus the at-fault driver’s $25,000). If you have non-stacking UM/UIM coverage and are hit by an uninsured motorist or involved in a hit-and-run, you will be able to recover the full amount.
UM/UIM coverage is very useful in a variety of situations. It can protect you if you are hit by another motorist who does not have any insurance or whose coverage does not cover your losses. It also allows you to receive compensation for your losses if you are injured in a hit-and-run accident or involved in a pedestrian or bicycle accident. Additionally, UM/UIM insurance typically covers you, your spouse, your children/step-children, passengers in your vehicle, and anyone who has been given express or implied consent to operate your vehicle.
Discuss Your Options with Our Atlanta Uninsured Motorist Lawyers
If you were injured in a hit-and-run accident or have sustained more losses than the at-fault driver’s insurance covers, you may be able to file an uninsured motorist claim. Our legal team can help you determine your options based on the coverage you have. At Monge & Associates, we strive to help victims of negligence receive the full, fair compensation they deserve. We have been fighting for injured individuals and their families in Atlanta and throughout Georgia and the nation since 1993, successfully winning numerous cases and recovering millions of dollars in settlements and jury verdicts. We strive for complete client satisfaction, offering personalized, compassionate legal counsel and aggressive representation from start to finish.
Need an uninsured/underinsured motorist lawyer in Atlanta? Call Monge & Associates to find out if you have a case and how much it’s really worth. (800) 860-8021