You’ve just been hit by another driver and then find out they don’t have car insurance. Now what? Many Georgia drivers are shocked to learn how common uninsured or underinsured motorists (UM/UIM) are. But don’t panic, there may still be ways to get the compensation you need.
At Lewis Law, we help car accident victims across North Georgia navigate situations exactly like this.
Uninsured vs. Underinsured Motorist: What’s the Difference?
- Uninsured motorist (UM): The driver who hit you has no liability insurance at all
- Underinsured motorist (UIM): The at-fault driver has insurance, but not enough to cover your damages
Step One: Check Your Own Insurance Policy
Georgia doesn’t require UM/UIM coverage, but many drivers opt in without realizing it. If you have it, you may be able to file a claim under your own policy.
UM/UIM insurance can help cover:
• Medical bills
• Lost wages
• Pain and suffering
• Funeral expenses (in wrongful death cases)
Step Two: Determine if Any Other Coverage Applies
Sometimes, there may be other avenues for recovery, including:
- Resident relative policies
- Employer liability if the driver was on the job
- Claims against vehicle owners for negligent entrustment
We investigate every angle.
Step Three: Don’t Wait to File
In Georgia, the statute of limitations is two years, even for UM/UIM claims. It’s best to act fast while evidence and witnesses are fresh.
Why You Need a Lawyer in These Cases
Uninsured motorist cases are complex, and your own insurer becomes the opposing party. That’s why it helps to have an experienced legal team negotiating on your behalf.
At Lewis Law, we:
- Review all insurance policies for hidden coverage
- Prove liability and damages to your insurer
- Fight for the maximum payout allowed under your policy
Contact us today!