Uninsured or Under Insured Motorists
Were You Hit by an Uninsured or Underinsured Driver?
Uninsured motorist (UM) coverage in your own auto insurance policy covers your costs from an accident caused by another driver — one who is uninsured, underinsured or cannot be found.
Many people do not fully understand their policy provisions and it is not uncommon for an insurance company to deny a legitimate claim. At Gary Martin Hays & Associates in Atlanta, our lawyers work to see that our clients get the help they need. We frequently challenge auto insurance companies when our clients' claims are denied or undervalued.
About Georgia UM Law
In the state of Georgia, any car insurance policy must offer uninsured motorist (UM) coverage. Unless you rejected UM coverage in writing, you should have a minimum amount of coverage. (Our lawyers recommend that you carefully consider an increase of your UM coverage to the maximum amount possible.)
If a member of your family suffers a catastrophic injury, the basic medical benefit in your automobile insurance policy may quickly be exhausted. It may not provide full compensation. By coordinating all available provisions, including your uninsured motorist insurance and your health insurance, our attorneys will work to see that you recover maximum benefits from your claim. If you lost a family member in a fatal car accident, our lawyers will work to get the help you will need to carry on.
Making the Most of Your Coverage
Uninsured motorist coverage may apply even if you or a member of your household is riding in another car when injured, or is injured in a pedestrian, bicycle, motorcycle or hit-and-run accident. It may also apply to any person driving your insured vehicle with your permission.
Call us before making a statement or signing any settlement form. Today, before you make a statement to an insurance company representative or sign a settlement agreement, contact us to arrange a free confidential consultation and claim review with an attorney regarding your car accident injury. From offices in Atlanta and Athens, our lawyers serve clients throughout Georgia.
