Uninsured Motorist Coverage in the Greater Atlanta Area
Imagine that you just got into a terrible accident, but the driver either has no auto insurance or not enough coverage to pay for your losses. What now? Usually, you can receive compensation from the driver’s liability insurance, but if theirs is lacking, you’ll have to use your uninsured or underinsured motorist coverage.
Insurance companies must provide uninsured motorist coverage by law. This insurance would cover you in situations such as:
- An accident where the other driver has no insurance
- A case in which the other driver’s insurance does not cover all of your damages
- A hit-and-run accident where the driver is unknown
- An accident where you were on foot or a bicycle
At The Foster Firm, our team can help you understand Georgia’s uninsured or underinsured motorists laws. Our skilled greater Atlanta uninsured motorist accident lawyers can walk you through the process of filing a claim with your insurance provider or pursuing a personal injury lawsuit if the at-fault driver caused the accident out of negligence.
Unfortunately, many people get on the road without auto insurance, meaning they have no coverage to help them pay for your losses. Even those with insurance may not have a policy that covers the full amount. The state’s laws outline a minimum insurance coverage requirement to combat this problem.
Georgia law requires the following minimum liability coverage for drivers:
- $25,000 per person for injuries or death
- $25,000 per accident for property damage
- $50,000 per accident
The compensation you receive from your uninsured motorist insurance depends on the type of coverage.
Non-stacking coverage (also known as reduction coverage) only comes into play if the driver’s liability insurance is less than your uninsured/underinsured motorist coverage. This coverage ensures that you have enough to pay for losses that exceed the other driver’s insurance plan or receive compensation if the other party has no insurance.
Stacking coverage (also known as excess coverage) provides coverage despite the other driver’s policy amount. If your losses total higher than their insurance, you can stack your uninsured/underinsured motorist coverage on top of their liability coverage.
At The Foster Firm, our attorney and team are knowledgeable in uninsured or underinsured motorist accident cases. We understand how difficult life can be after an accident, and navigating complicated insurance and legal processes is the last thing you want to do. We’ll guide you through your claim to help you achieve the best outcome for covering your losses.
Uninsured Accident Claim Attorney in Metro and South Atlanta
If you have any issues pursuing an uninsured accident claim with your insurance provider, an experienced attorney can help you handle the case. We can work with insurance companies to make the process easy for you. We’ll protect your rights and fight for fair compensation.
If you do not have uninsured/underinsured motorist coverage, it can be challenging to receive compensation for your damages. Our team at The Foster Firm can represent you in a personal injury lawsuit if your accident happened because of the other driver’s carelessness. Such a claim argues that the driver breached their duty of reasonable care, causing an accident that led to injuries or other damages.
In that case, we will work with you to gather evidence that proves your case and develop a solid strategy that increases your chances of compensation from the negligent party.
Experienced Uninsured Motorist Accident Lawyer near Atlanta, GA
Have you been in an accident involving a driver that doesn’t have insurance? Our Atlanta-area uninsured motorist accident lawyer team at The Foster Firm can help you explore all of your legal options. We aggressively pursue fair compensation for our clients, whether it’s through insurance companies or in the courtroom.
Call us at The Foster Firm in College Park and Douglasville, GA, at 404-559-8325 to schedule a free consultation.