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

See How We've Helped Clients Just Like You Recover
  • “The process was so easy with them guiding me through everything when I didn't even know where to start.”

    Natalys G.

  • “Chase Swanson worked with me to get the best settlement possible.”

    Michelle H.

  • “We were very satisfied with the final outcome and would and do HIGHLY recommend this firm.”

    Gary M.

  • “My experience with being represented by Mr. Swanson was a pleasant one”

    Michelle B.

  • “They were quick to respond to any questions that I had and made certain that I understood all aspects of the case.”

    Paula K.

  • “I am glad I chose Andrew as my attorney.”

    M.E.

  • “They took the case into their own hands and took the stress of my car accident.”

    Lisa W.

  • “They took the case into their own hands and took the stress of my car accident out of mine so that I could focus on getting better.”

    Lisa W.

  • “Jones & Swanson was there every step of the way.”

    Krystle W.

  • “I had such an amazing experience with Chase Swanson and his entire staff.”

    Susan W.

  • “I would definitely recommend friends and family to this law firm!”

    Allison

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

    Melissa C.

  • “Mr. Jones and his staff provided highly competent legal services and outstanding customer service.”

    Louis D.

  • “They were patient with us and showed great concern for our well-being.”

    Russ J.

  • “I was in a serious head-on collision and the other driver lied about everything. I worked with Chase and Ashle ...”

    Zachary J.

Injured? Our Firm Can Help.

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