Find out what your case is worth One click that’s it
August 2, 2021

What If the Responsible Driver Doesn’t Have Insurance?

In the state of Georgia, all drivers are required by law to carry the minimum amount of liability insurance. However, like many laws, this isn’t always followed, and some individuals operate their vehicles while uninsured.

This type of situation can cause significant problems when an accident is caused by the negligence of a driver who is underinsured or uninsured. What happens in these cases and how does an injured individual pursue compensation against someone who doesn’t have insurance?


This is dependent on your own insurance coverage. All insurance companies offer uninsured or underinsured motorist coverages that are designated to help protect you in these types of situations. It’s important to know that unless you denied this coverage, there is a possibility you may have it.

When this happens, you have to go through your own insurance to recover compensation, but there may be some complications involved with that process as well. This is why you should have someone who understands how the system works, especially if your own insurance company tries to deny your claim.


Unfortunately, not all insurance companies are looking out for their policyholders. When they deny a claim in a manner that violates the rights of the injured party, legal action may be needed to pursue justice and a rightful decision in the matter.

Insurance companies often fail to provide the coverage deserved by those the provider is expected to protect. Failure to do so would be acting in bad faith and would prevent the injured party from properly being able to recover after sustaining damage.

At Monge & Associates, we work hard to help you during your time of need. Our Atlanta lawyers have decades of experience helping injured individuals seek justice and we want to do the same for you after an uninsured motorist accident.

Call us at today and learn how we may be able to help.

August 2, 2021

Atlanta Uninsured Motorist Accident Lawyer

High-Powered ATL Uninsured Motorist Accident Attorneys Fighting for the Full Coverage You Deserve.

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 are eligible to file an uninsured or underinsured motorist claim, and if so, 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 to find out if you have a case and how much it really worth.


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.


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, our Atlanta uninsured motorist accident lawyers 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 at to find out if you have a case and how much it’s really worth.