Frequently Asked Questions

How Much UM Coverage Do I Need?

UM coverage is not required under Georgia law; however, the law does require your insurer to give you the option. Your insurer will typically permit you to purchase UM coverage up to the same limits as your liability coverage. This may be a factor in determining how much liability coverage you purchase, giving you the opportunity to purchase additional UM coverage. Unfortunately, we frequently represent people who have been injured by totally uninsured individuals, individuals who flee, or individuals who carry the minimum $25,000 in liability coverage required by Georgia law. As a result, those clients are sometimes unable to recover for the full value of their injuries.

For that reason, we highly encourage you to always opt to include UM coverage in your policy and to purchase as much UM coverage as you can afford. The coverage is relatively inexpensive, and increases in coverage are typically minimal versus the potential return. In selecting UM coverage, please also be sure to select add-on coverage as described above. Lastly, BE AWARE of insurers who pre-select a rejection of UM coverage for you when signing all the necessary forms to open the policy.

Click here for more information on recommended uninsured motorist coverage amounts.

Awards

  • Top 25 Motor Vehicle Trial Lawyers
  • Million Dollar Advocates Forum
  • National Trial Lawyers
  • AV Preeminent
  • Avvo 10.0 Superb
  • Super Lawyers

Past Client Testimonials

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  • “Thank you Jones & Swanson for being a wonderful, trustworthy, and easy team to work with”

    Melissa C.

  • “Chase Swanson worked with me to get the best settlement possible for my accident case.”

    Michelle H.

  • “Excellent service.”

    John C.

  • “Jones & Swanson was there every step of the way to make the burden easier to deal with.”

    Krystle W.

  • “Chase & his team took my case and came out with a win!”

    Carl

  • “I highly recommend calling on Chase Swanson.”

    Deke S.

  • “I would HIGHLY recommend Mr. Swanson to anyone who is involved in a personal injury case.”

    Kathleen K.

  • “They are an extremely personable and professional team.”

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  • “I was very pleased with the process and outcome.”

    Jeremy

  • “They took all the stress and worry of my car accident away and settled my case in a timely, caring & organized manner.”

    Michelle H.

  • “Jones & Sawnson was a dream come true when it came to getting me what I deserved for my case.”

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    John W.

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  • “My experience was excellent!”

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  • “They took all the stress and worry of my car accident away .”

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