Uninsured Motorist Claims
Georgia requires that all drivers maintain liability insurance; however, not everyone abides by this law. While we do everything to obey the law and carry the state-required insurance, we can easily get involved in a collision with any one of the state's uninsured drivers. The reason people generally don't carry auto insurance in the first place is simply because they can't afford it, and this makes obtaining compensation directly from the uninsured driver highly unlikely.
Under normal circumstances when you're involved in a car accident, the at-fault party's insurance carrier pays for your property damage and bodily injuries. But, what happens if you're involved in a collision with one of the state's thousands of uninsured drivers? The best thing for you to do if you are involved in an accident with an uninsured driver is to file a claim under your own policy's uninsured motorist coverage.
Uninsured Motorist Coverage (UM)
Georgia uninsured motorist coverage (UM) is codified under O.C.G.A. §33-7-11, which states that effective January 1, 2009, no automobile liability insurance policy or auto insurance policy shall be issued or delivered to the owner in the state of Georgia unless it includes uninsured motorist coverage. Georgia drivers do have the option of rejecting UM coverage in writing; however, failing to accept this coverage can have devastating results. Some people make the mistake of rejecting UM coverage because they want to save money and think that full coverage will cover them if they are seriously injured in a car wreck, but it won't.
Your uninsured motorist coverage insures you against the damages caused by the at-fault driver who does not have liability insurance or who does not have enough insurance. UM is designed to pay for your medical losses and property damage losses so you don't have to pay these out of pocket.
Alpharetta Car Accident Attorney
UM coverage is available as "stackable" and "non-stackable." You can either purchase UM coverage that is the same as your liability coverage or you can purchase UM coverage that is less than your policy's liability limits; we recommend that you purchase stackable UM coverage that is the same as your liability limits.
When it comes to paying out on uninsured motorist claims, many auto insurance companies actually fight these claims or deny them altogether. As the insured that has paid for UM coverage, you have every right to receive full payment from your insurance carrier. As former insurance defense attorneys, we are closely familiar with the tactics insurance companies use to deny UM claims and we are well-qualified to pursue maximum compensation on your behalf. Contact an Alpharetta car accident attorney from Kalka & Baer LLC today to schedule a free consultation about your case.