Norcross, GA Uninsured and Underinsured Motorist Accident Attorney

Skilled Attorney Helping Victims With Uninsured and Underinsured Motorist Claims in Norcross, Georgia

There are some auto accidents where the other driver does not have the financial means to pay for your damages. In some cases, the problem lies with coverage limits. In others, the driver may have no coverage at all. Fortunately, uninsured and underinsured motorist (UM/UIM) coverage can help to fill these gaps.

At The Law Offices of John Morrison, our Norcross uninsured and underinsured motorist accident attorney can go over your options for payment when insurance falls short. In our firm's history, we have recovered over $100 million from successful case results, which speaks to our consistent dedication in fighting for the outcomes our clients deserve.

Is UM/UIM Coverage Mandatory in Georgia?

In Georgia, drivers are required to carry liability insurance, but UM and UIM coverage are not mandatory in the same way. Insurance companies generally must offer uninsured motorist coverage when a policy is issued, but a driver can reject it in writing.

That means many people on the road still do not have this protection, even though it can make a major difference after a wreck. If you are hit by someone who has no coverage, or only a small policy that does not come close to covering your medical bills, lost income, and pain and suffering, UM or UIM coverage may become one of the most important parts of your claim.

What Are the Minimum Auto Insurance Limits in Georgia?

Georgia drivers must carry minimum liability coverage of 25/50/25. That means at least $25,000 for bodily injury to one person, $50,000 total for bodily injury per accident, and $25,000 for property damage per accident.

When Do You Need Uninsured Motorist Coverage in Norcross?

You may need uninsured motorist coverage when the driver who caused the crash has no liability insurance. This can happen more often than many people think. It may also apply in a hit-and-run case if the other driver leaves the scene and cannot be identified. In those situations, your own UM coverage may be the only realistic way to seek payment for your injuries and other losses.

Uninsured motorist coverage can help pay for damages such as medical expenses, lost wages, and pain and suffering, depending on the policy. Still, just because the claim is made through your own insurance company does not mean it will be simple. The insurer may still question fault, argue about the extent of your injuries, or try to limit what it pays. For that reason, it is important to treat a UM claim seriously from the start and build it with strong evidence.

When Do You Need Underinsured Motorist Coverage in Norcross?

Underinsured motorist coverage comes into play when the at-fault driver has insurance, but not enough of it. A driver may carry only the minimum required coverage, but your damages may be far greater than that amount. A short hospital stay, follow-up treatment, missed work, and lasting physical pain can quickly push a claim beyond the limits of the other driver's policy.

In that situation, UIM coverage may help bridge the gap. Whether it does so, and by how much, depends on the structure of the policy and the total value of the claim. These cases can become technical, especially when multiple policies may apply or when the insurer disputes the amount owed. Careful review of the policy and the accident details is often necessary to understand what compensation may be available.

Contact a Norcross, GA Uninsured and Underinsured Motorist Accident Attorney

UM and UIM claims can be more complicated than people expect, especially when an insurance company tries to minimize what your case is worth. Call 770-951-8900 or contact our Norcross uninsured and underinsured motorist accident lawyer to schedule a free consultation.