Uninsured and Underinsured Car Accident Attorney

A car accident can put you in a precarious position. You might have expensive medical bills and have to miss work because of your injuries. You also may have to deal with a damaged or totaled vehicle. If another driver was at fault, you may be eligible to seek compensation for the losses you’ve incurred from the at-fault driver’s auto insurance policy. But what happens if the driver who caused the crash is uninsured or doesn’t have adequate insurance? The answer is that your own insurance could come into play if you have uninsured motorist coverage.

Uninsured motorist insurance (UM) provides coverage for your losses after an accident caused by an uninsured driver. Underinsured motorist insurance (UIM) can help you if your accident losses exceed the auto insurance coverage of the at-fault driver.

At Spiva Law Group, our uninsured and underinsured accident lawyers understand how stressful an accident with an uninsured or underinsured driver can be. But we’re here to support you and guide you through this difficult time. For more than 30 years, we’ve focused on catastrophic injury cases. We have the resources to take on insurance companies and at-fault drivers after an accident.

We believe that you should feel comfortable talking with your uninsured and underinsured car accident lawyer and getting the legal advice you need after a car accident. That’s why we make ourselves available at all times. We even offer a free consultation to review your case and answer questions about your uninsured driver accident.

Don’t wait to get the experienced legal help that you deserve. Contact Spiva Law Group for your free consultation today.

What Does Uninsured Motorist Mean in Auto Insurance?

Under Georgia law, drivers must have liability insurance but some drivers violate the law and operate their vehicles without insurance. That’s against the law. If an uninsured driver hits you, you would file a claim against your UM insurance coverage for compensation.

Uninsured Motorist insurance could be helpful in cases in which a hit-and-run driver hits you and drives away. If police aren’t able to find the hit-and-run driver who injured you, your own UM insurance would cover the accident up to the limits of your policy. An uninsured car accident attorney can help.

What Is the Difference Between Uninsured Motorist and Underinsured Motorist Insurance?

Uninsured Motorists and Underinsured Motorists (UM/UIM) are similar types of insurance that cover you in different situations. While UM insurance covers you when you’re in an accident with an uninsured motorist, UIM covers situations where an underinsured driver causes a crash and doesn’t have adequate insurance to cover your medical bills.

Let’s say that someone hits you and you need $75,000 worth of medical care. If you’re hit by someone with no insurance, UM insurance may step in. But if you’re hit by someone with a liability policy that only covers up to $25,000 in bodily injury losses, you would need an additional $50,000 in insurance coverage. In that case, UIM may make up part or all of the added coverage you need. Contact our Savannah uninsured and underinsured car accident lawyer today.

Do I Need Both Uninsured and Underinsured Motorist Coverage?

Both UM and UIM can be helpful and could provide protection if someone injures you. That’s why insurance companies often sell these optional policies as a set. UM insurance can help when someone without insurance causes an accident. UIM can help if someone with too little liability insurance causes an accident injuring you.

Under Georgia law, drivers are only required to carry the minimum required 25/50/25 auto liability coverage to drive. That’s $25,000 in bodily injury liability per person and a maximum of $50,000 per accident, along with $25,000 in property damage coverage. The fact is a serious accident could easily cost you far more than $25,000, and UIM coverage could protect you.

Is Uninsured/Underinsured Motorist Coverage Worth It?

There are a surprising number of uninsured and underinsured drivers on Georgia’s roads. According to the Insurance Information Institute, approximately 12.4% of motorists in Georgia are driving without insurance. That means there’s a good chance that if you’re in an auto accident, the crash may involve a driver who doesn’t have a car insurance policy.

When someone doesn’t have enough insurance, that could end up hurting you. According to the National Safety Council, the total cost of a car accident that involves injuries may easily add up to hundreds of thousands of dollars. That means the minimum insurance coverage may only cover a portion of your losses if you’re injured. Talk to our Savannah uninsured accident lawyer today.

How Can an Uninsured and Underinsured Motorist Lawyer Help Me?

After an accident on Georgia’s roads, you may be facing significant medical bills, long-term health challenges, and time away from work. An uninsured motorist accident lawyer could help you develop a claim and seek the compensation you need.

An uninsured and underinsured car accident attorney at Spiva Law Group can:

• Answer your questions about Georgia accident law
• Review your insurance policies and help you understand your options
• Take the stress of a UM / UIM claim off your shoulders
• Handle any discussions with insurance companies about your compensation
• Negotiate for the resources and compensation you deserve
• Stand up for your rights
• File a lawsuit in court when the available insurance policies don’t cover your losses.

Pursuing the compensation you need after a car accident can be exhausting and stressful, especially when the at-fault driver doesn’t have the insurance to cover your losses. Contact an experienced UM / UIM lawyer today.

Contact an Uninsured Motorist / Underinsured Motorist Lawyer in Georgia Today

If you were injured in an accident with an uninsured or underinsured motorist, contact Spiva Law Group now. We have decades of experience serving the people of Georgia. We’re ready to fight for you if you’ve been injured by another driver’s carelessness. We charge no fees upfront. We only get paid a legal fee if we recover compensation for you. Talk to our Savannah underinsured car accident lawyer now.

We are proud of the large settlements for our clients because they show our experience and commitment to tackling complex accident cases. We are here to help you in any way we can. Whether you need someone to help you understand your rights, answer your questions, or explain your options for seeking compensation, Spiva Law Group is ready to serve you.

For your free consultation, contact us now.