Uninsured and Underinsured Claims
Georgia, like the vast majority of jurisdictions, requires drivers carry insurance. Unfortunately, not everyone abides by the law. In addition, many drivers who have some insurance do not carry enough to cover a major incident adequately. There are times when a driver needs to rely on his own policy when they have been harmed by an underinsured or uninsured driver.
If you have questions about insurance coverage and recovery following a car accident in Atlanta, Marietta, or in any other community throughout Georgia, please contact the accident professionals at the Persons Firm for tailored legal guidance.Underinsured Drivers
All Georgia drivers are mandated by law to carry liability insurance, but how much insurance? The answer is: Not much — at least when compared to how expensive a car crash can be.
Georgia sets its minimum at 25/50/25. That means in order to be legally compliant a policy must cover bodily injury up to $25,000 per person capped at $50,000 per incident, and another $25,000 ceiling on damage to property. That is not a satisfactory amount should a serious indecent occur.
So what happens when the policy amount is exhausted? A plaintiff could sue the negligent driver to make the difference from personal assets. But what if the plaintiff does not have much personal wealth? After all, that is why we have liability insurance in the first place; because car crashes can create consequences that are extremely expensive.
In these situations, underinsured motorist coverage would provide the compensation necessary to the injured driver. However, insurance companies are often reluctant to honor the policy. An experience attorney can make sure their client is not given the run-around. When it comes time to pay, you and your insurance company are at odds, as the company is incentivized to make the smallest payment possible.Uninsured Drivers
In an even worse case scenario, the negligent driver that causes the accident is not underinsured—they have no insurance at all. Believe it or not, quite a lot of people are sharing the road do not have any coverage at all.
According to some reports, at any given time up to 20% percent of drivers on the road are not insured. These uninsured drivers cause collisions virtually every day. Making matter worse, many drivers do not have liability insurance because they cannot afford it. They often cannot afford it because their rates are high, and their rates are high because they have a history of hazardous operation. That means if you are hit by a negligent driver, there is a reasonable chance that the driver has no insurance to cover the damage.
Being hit by a driver without insurance is the main utility of having uninsured motorist coverage. Uninsured motorist coverage will also protect drivers who have been injured by a stolen vehicle. This type of insurance will also provide security after a hit and run event.
It is at times like these drivers need to turn to their own policy for compensation and help with recovery. However, as with underinsured claims, insurance companies are often unwilling to cover the full cost of the policy holder's pain and suffering, lost past and future wages, health care, or disability. Rely on a seasoned personal injury attorney to navigate these types of negotiations.
If you have been injured by an underinsured or uninsured driver, seek out a knowledgeable and qualified advocate. If you or someone you know has been seriously harmed contact the Persons Firm by calling 770- 424 5125 immediately for a free consultation.