Important Facts Hit and Run Victims Should Know about UM/UIM Coverage
The strwhess caused by a car crash can be overwhelming especially when a negligent driver leaves the scene of the accident.
If you have uninsured motorists or underinsured motorist (UM/UIM) coverage you may still be able to bring a claim for your damages.
Fact #1: When an accident victim pursues UM/UIM claims, the policyholder’s best interest comes into direct conflict with an insurance carrier’s profit maximizing goals. While auto insurance policies might be designed to cover an insured’s losses in the event of a collision, insurers also owe a duty to their policyholders to maximize profits. Because these goals stand in direct opposition to each other, policyholders cannot necessarily rely on their insurer to pay their claim fully and in a timely manner. Your own carrier will step into the shoes of the underinsured driver and defend the claim. Hiring an attorney is a smart move to help you maximize your recovery.
Fact #2: Georgia law permits policyholders to stack uninsured motorist coverage under GA Code § 33-7-11. This means that if a family of five has five vehicles with UM coverage of $25,000 per person and $50,000 per accident, the coverage may be combined if one of the drivers is injured in an accident, depending on how the policy or policies are written.
Fact #3: Many financial losses can be recovered by UM coverage with the assistance of a skilled Georgia car accident lawyer, such as:
- Medical bills,
- Costs of rehabilitation,
- Property damage,
- Lost income,
- Future medical expenses, and
- Pain and suffering.
Fact #4: Georgia drivers face a significant risk of being involved in a collision with an uninsured or underinsured driver. Almost 1 in 4 Georgia drivers does not have insurance coverage.
Fact #5: Georgia auto insurance carriers must offer you uninsured/underinsured insurance coverage. While Georgia law does not require motorists to carry UM/UIM coverage, insurance carriers must make this option available to policyholders. Auto insurance providers must offer a minimum of $25,000 per person in bodily injury and $50,000 per accident in UM/UIM coverage. While a driver can opt out of such coverage by initialing a box waiving such coverage, this option leaves a person exposed to costly medical bills, vehicle repair costs, and other expenses if an incident occurs by a negligent motorist who flees the scene or fails to carry sufficient insurance coverage to cover your losses. You cannot choose who you are hitting by, but you can choose what type of UM/UIM coverage you have to protect yourself. If you have been injured in an accident caused by a hit and run or uninsured driver, an experienced attorney can help you pursue a claim against your own policy’s UM/UIM coverage.
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Atlanta, GA 30329
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