Atlanta Uninsured Motorist Lawyer

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    If you’ve been injured in a car accident, the liable driver may not have enough insurance to cover your losses. Perhaps, they’re even uninsured. If so, you need to hire an uninsured motorist lawyer.

    The Atlanta car accident lawyers at Allen & Scofield Injury Lawyers will help you identify all insurance coverage sources. Then, we’ll help you collect that coverage.

    Call us today at (404) 419-6674. Also, you may fill-out our online contact form to schedule a free case review.

    Georgia’s Auto Insurance Requirements

    Historically, Georgia didn’t require drivers to carry liability insurance. Therefore, many injured car accident victims could only recover compensation if they sued the liable driver and seized their assets. That was a lot of work. Also, few victims successfully collected those assets. Why? Because most folks don’t have significant assets. In fact, most Americans don’t even have enough savings to cover an unexpected $1,000 medical bill.

    Nowadays, Georgia drivers must carry liability insurance. However, in 2019, 12% of Georgia motorists were still uninsured. Additionally, Georgia drivers only have to carry $25,000 liability coverage. That might sound like a lot of money. However, your medical bills quickly deplete that coverage.

    For instance, if an ambulance transported you to the ER and you underwent x-ray and CT imaging scans, your medical bills may total $10,000 – $15,000. If you also did an MRI scan and followed up with an orthopedist, your total bills may easily exceed $25,000.

    If the at-fault driver has no insurance coverage or insufficient coverage, call an uninsured motorist lawyer immediately.

    What Is Uninsured/Underinsured Motorist Insurance Coverage?

    Uninsured/underinsured motorist insurance (UM/UIM coverage) covers damages that a policyholder receives from an uninsured/underinsured negligent driver. For instance, if you bought $25,000 uninsured motorist (UM) coverage and you’re injured by an uninsured motorist, your policy covers all losses up to $25,000.

    If you purchased $25,000 underinsured motorist (UIM) coverage and you’re injured by a motorist that only has $25,000 liability coverage, your coverage may “stack” on top of the negligent driver’s policy to give you $50,000 total coverage.

    Unfortunately, most people purchase UIM coverage that is “reduced” by the at-fault driver’s liability insurance coverage. That saves a few dollars. But it leaves you exposed.

    Using the prior example, if the injured victim had $25,000 in “reduced” UIM coverage, the total recovery is only $25,000. That’s because the UIM carrier gets a $25,000 offset from the at-fault driver’s coverage. Thus, the difference in total recoveries in these two examples is $25,000. That’s far more than the injured victim ever saved in monthly insurance premiums.

    Make Sure That You’re “Fully Covered”

    Many of our clients believe they purchased stacking UM/UIM coverage because their insurance agents told them they were “fully covered.” Unfortunately, their agents misled them. They usually purchased “reduced” or “difference-in-limits” coverage which doesn’t stack. Indeed, they’re far from “fully covered”.

    It’s not our clients’ fault. Insurance agents urge them not to buy stacking coverage. Their agents tell them that their premiums will be lower if they purchase “reduced” coverage. That’s true. But, they don’t tell our clients that the cost savings is negligible when you compare it to what’s lost – thousands of dollars of coverage. Critical coverage if you’re injured by an underinsured motorist.

    If you’re unsure whether you’re “fully covered,” you should contact an uninsured motorist lawyer ASAP.

    Filing Your UM/UIM Motorist Claim

    Once your lawyer identifies all potential insurance coverage sources, they will file your UM/UIM claim. Next, the UM/UIM insurance adjuster will take your recorded statement. Make sure that your lawyer prepares you for that interview. The insurance adjuster isn’t your friend. That interview is designed to establish that your losses aren’t covered.

    Sometimes, the adjuster also asks you seemingly innocuous questions about your injuries and medical treatment. Pay attention. Those questions are designed to diminish the value of your claim (i.e. “you didn’t get checked out at the hospital after the collision? No broken bones? Only treated with a chiropractor for the first 6 months after the collision?”). Your lawyer will prep you to give an accurate response that also provides context.

    If you already gave a recorded statement prior to hiring your lawyer, make sure you tell your lawyer. Your lawyer can obtain a copy of your statement.

    Call an Uninsured Motorist Attorney for Advice Today

    When you’re injured in a car crash, every extra insurance dollar matters. Lawyers that advertise on buses and billboards don’t have time to find every potential coverage source. They want to quickly settle your case. Even if that means that you get a tiny settlement.

    At Allen & Scofield Injury Lawyers, we have the time and resources to recover every last insurance dollar. If the driver that injured you was uninsured or underinsured, we’ll do everything we can to make you whole.

    Call us today at (404) 419-6674. Also, you may fill-out our online contact form to schedule a free case review.

    "Charles is an excellent trial attorney who possesses a unique talent to hone in on the significant issues and turn the Defendant’s strengths against them. Charles is as honest as the day is long and works tirelessly to ensure that his clients receive all that is possible. While no lawyer is perfect, Charles strives to be as good a lawyer as there is on this planet, and he succeeds!"
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