The best protection against uninsured drivers is uninsured/underinsured motorist (UM/UIM) coverage. This applies when the at-fault driver has no insurance or not enough to cover your losses.
When you file a claim, you will usually deal with your insurer first, provide proof of the crash and injuries, and respond to questions during the investigation.
Our Marietta car accident lawyer from our team will guide you through each step, handle calls and paperwork with the insurance company, and help you make the right decisions for you as we move your claim forward.
What Is Uninsured Motorist Coverage in Georgia?
Uninsured motorist coverage helps pay for your losses if the driver who caused the crash has no insurance. It can also apply in hit-and-run crashes where the driver cannot be found.
In Georgia, this coverage is optional, which means drivers must choose to add it to their policy. Many people carry it because it protects them in situations they cannot control.
There are two main types:
- Added-on (excess) coverage: This adds extra coverage if the at-fault driver’s insurance is not enough.
- Reduced-by coverage: This pays after the at-fault driver’s insurance is used first.
The type you choose affects how much you can recover after an accident.
Why UM/UIM Coverage Is Often the Best Protection
Uninsured drivers are more common than many people expect. When a crash happens, the lack of insurance can leave you with bills and losses that are hard to manage.
UM/UIM coverage helps by:
- Paying for medical care when the other driver cannot
- Covering lost income tied to your injuries
- Filling gaps when the at-fault driver’s policy is too small
Without this coverage, your options may be limited.
How a Claim Works After a Crash With an Uninsured Driver
After the accident, you will file a claim with your insurance company. Here is how the process usually works:
- You report the crash to your insurer.
- You provide records, such as medical bills and proof of lost income.
- The insurance company reviews the facts and may ask questions.
- The claim is evaluated based on your policy limits and damages.
Our attorney will manage all calls and written communications with the insurer and work to keep your claim moving.
Various Damages Available in Uninsured Driver Cases
A claim involving an uninsured driver may include several types of damages, such as:
- Medical bills and ongoing care
- Lost income and reduced earning ability
- Pain and physical discomfort
- Changes to your daily life and activities
- Property damage
Each part of your claim works together to show how the crash has affected your life, not just the bills you have today. We take into account how your injuries and losses may affect your future.
Can You Still Recover Damages Without UM Coverage?
You may still have options, though they can be more limited and take more effort to pursue. We still must consider who was involved in the crash and what insurance coverage may still apply.
The possible paths forward include:
Filing a Claim Directly Against the At-Fault Driver
You can bring a claim against the driver who caused the crash. However, the challenge is that uninsured drivers usually do not have the money to cover the full cost of your damages, even if you win a case.
Looking for Other Liable Parties
In some cases, parties may share responsibility. For example, if the driver was working at the time of the crash, their employer may be held responsible. Our lawyer will review the facts to see if a company, vehicle owner, or another party played a role.
Using Other Policies That May Apply to Your Situation
Some claims involve more than one insurance policy. Coverage tied to a vehicle owner, a household member, or even a commercial policy may apply, depending on the facts of the crash.
These situations often involve more questions and more investigation. We will review your case, explain what options are available, and identify every possible path forward so that you can make informed decisions about your next steps.
Concerns Many People Have About These Claims
Many people worry about making mistakes or saying the wrong thing to an insurance adjuster. Others feel unsure about how much their case is worth or what steps come next. These are valid concerns, but getting legal counsel can help protect your claim.
We will help you understand your options and answer any questions. Support from our team helps you stay focused on your recovery while we handle everything else. This includes keeping your claim on track and handling the insurance company.
Time Limits for Filing an Injury Lawsuit in Georgia
Under Georgia Code § 9-3-33, you generally have two years from the date of the crash to file a lawsuit. This may involve filing against the at-fault driver, another responsible party, or, in some cases, your insurance company if there is a dispute over uninsured motorist coverage.
We encourage you to reach out to us for help as soon as you can. Waiting too long to take legal action can limit your ability to recover damages. Insurance policies may also have notice deadlines that come up much sooner, so starting early helps keep your claim on track.
Work With Jones & Swanson on an Uninsured Driver Claim
Handling an uninsured motorist claim for damages after a crash takes time, attention, and a clear plan. A Jones & Swanson car accident lawyer will take on your case and work to recover your losses while you focus on healing. We have over 50 years of combined experience and have recovered $50+ million for Georgia’s injured.
The insurance process isn’t always easy to follow, and clients have told us they feel like they’re playing a legal game they don’t understand. Our Marietta personal injury lawyers will explain everything clearly and handle the back-and-forth with the adjuster so you’re not left guessing.
You will also get a responsive, experienced team that will return your calls and emails. Unlike the big box firms that advertise on TV, you will get the personal attention you deserve when you come to us.
If you cannot travel, we will come to you. Call today to discuss your situation with hometown lawyers who care about you and the outcome. Start with a free consultation today.
