Georgia Uninsured Motorist Accident Lawyers
One in six Georgia drivers carries no insurance. When an uninsured driver hits you, we pursue every dollar available through your own UM coverage.
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How Uninsured Motorist Coverage Works in Georgia
Under O.C.G.A. § 33-7-11, every auto insurance policy issued in Georgia must include uninsured motorist (UM) coverage unless the policyholder explicitly rejects it in writing. UM coverage protects you when the at-fault driver has no insurance at all, when the at-fault driver flees the scene (hit-and-run), or when the at-fault driver's insurer becomes insolvent. Georgia requires minimum UM limits of $25,000 per person and $50,000 per accident, though many drivers carry higher limits.
The critical detail most drivers overlook is that UM coverage is a contract between you and your own insurer. When you file a UM claim, your insurance company effectively becomes the opposing party. Despite owing you a duty of good faith, insurers routinely undervalue UM claims, delay payment, and dispute the severity of your injuries. Georgia Auto Law treats UM claims with the same aggressive approach we bring to third-party liability claims because your insurer will not simply hand over what you deserve.
Stacking UM Coverage in Georgia
Georgia law permits UM coverage stacking under certain circumstances, which can dramatically increase your available recovery. If you have multiple vehicles on one policy, you may be able to stack the UM limits for each vehicle. For example, if you carry $100,000 in UM coverage and insure three vehicles, stacking could provide up to $300,000 in total UM coverage. The right to stack depends on the specific language of your policy and whether the insurer included a valid anti-stacking provision.
Courts in Georgia have scrutinized anti-stacking clauses carefully and have invalidated provisions that do not strictly comply with O.C.G.A. § 33-7-11. Georgia Auto Law reviews every client's policy for stacking opportunities because insurers will never volunteer that additional coverage is available. We also examine household policies and any other vehicles you may be listed on as a named insured or resident relative to maximize the UM coverage pool.
What to Do After Being Hit by an Uninsured Driver
If you are hit by a driver with no insurance, call 911 and obtain a police report documenting that the other driver is uninsured. Collect the driver's name, license plate, and contact information if possible. Seek medical treatment immediately and notify your own insurance company that you intend to file a UM claim. Georgia law requires you to cooperate with your insurer's investigation, but you are not required to give a recorded statement without legal counsel present.
Contact Georgia Auto Law before accepting any offer from your own insurer. UM claims are adversarial proceedings even though you are dealing with your own insurance company. Your insurer has financial incentive to minimize your payout, and their adjuster is not working in your interest. Our attorneys handle all communication with your UM carrier, gather the medical documentation needed to prove the full value of your injuries, and file suit against your own insurer under O.C.G.A. § 33-7-11 when they refuse to pay a fair amount.
Hit-and-Run Accidents and UM Coverage
Georgia's UM statute specifically covers hit-and-run accidents where the at-fault driver flees the scene and cannot be identified. Under O.C.G.A. § 33-7-11, you can file a UM claim for a phantom vehicle accident as long as you can demonstrate that the accident was caused by an unidentified driver. Some policies require physical contact between the vehicles, while others may cover no-contact incidents where a phantom driver forced you off the road.
Hit-and-run UM claims carry additional evidentiary burdens that make early legal representation critical. Your insurer may challenge whether the accident happened as described or argue that you caused the crash yourself. Georgia Auto Law works with accident reconstructionists, obtains surveillance footage, and secures witness statements to build the strongest possible UM claim after a hit-and-run.
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