Dealing with insurance companies is hard enough when there are questions of fault, liability, and determining appropriate damages after a car accident. However, what happens when you are in an accident and the other driver simply drives off before determining a license plate number or if there are no other witnesses on scene to help track down the responsible, at-fault driver? Or, what happens when you are sitting at a right light and you are rear-ended, only to discover that the driver who hit you has no insurance whatsoever?
It is for this reason that Georgia drivers are given the option of carrying an Uninsured Motorist clause in their insurance coverage package. If, in the case of a hit-and-run or when the at-fault driver has no liability insurance coverage, you find yourself the victim of someone’s carelessness and they are at fault but there is no insurance policy to go after on their side, your personal Uninsured Motorist coverage will help you recover. However, even dealing with your own insurance company under such circumstances can be difficult and may not always provide you with the fair compensation you deserve. For this reason, you need an experienced attorney to help you navigate the uninsured motorist waters. Let the uninsured motorist attorneys at The Angell Law Firm help you today. Give us a call at (770) 217-4954 for your free consultation.
Uninsured and Underinsured Motorist Coverage is a very complex and tricky area of law in the state of Georgia. Our attorneys at The Angell Law Firm make sure that we stay on top of the nuances and ensure that we consistently adapt to any changes in this area of the law, such as the last major revision that occurred on January 1, 2009.
To illustrate the tip of the iceberg in the way uninsured motorist policies work in the state of Georgia, it is useful to look at three different scenarios:
Stackable Uninsured/Underinsured Coverage:
This is the most preferred type of insurance coverage. The attorneys at The Angell Law Firm recommend that every driver have a stackable uninsured/underinsured insurance policy in their auto insurance package because it offers you the greatest amount of protection, especially when the other driver has hurt you and he has insurance, but it doesn’t cover the amount of your hospital bills. Let’s look at an example. Assume you were rear-ended by someone and they are completely at fault and it leads to $80,000 in medical bills for you. If you have YYY insurance and you have coverage of $50,000 for yourself and someone hits you with ZZZ insurance and he has $50,000 in liability insurance, then all of your medical bills will be covered if your insurance policy is stackable ($50,000 + $50,000 = $100,000).
Non-Stacking Uninsured/Underinsured Coverage:
With this type of insurance coverage, using the same example as above, your insurance company (YYY) is said to be in the shadow of the at-fault driver’s insurance coverage. Therefore, even though you have $50,000 in coverage and the other driver has $50,000 in coverage, your $80,000 medical expense will not be completely covered and you will be left to pay the remaining $30,000 yourself.
No Uninsured Motorist Coverage:
Many people try to do everything possible to save money when shopping around for car insurance and therefore will elect not to obtain uninsured motorist coverage, thinking that having “full coverage” is enough. However, this is simply not the case and it is not until someone is seriously injured in a car accident as the result of an uninsured motorist that they discover how financially detrimental it is not to carry Uninsured Motorist Coverage.
If you find yourself driving and you don’t have an Uninsured Motorist policy on your car insurance and you are injured as the result of a careless, uninsured driver, there still may be options for you and your attorney to pursue. This is where it becomes even more imperative for you to contact the Uninsured Motorist attorneys at The Angell Law Firm because we can help find other avenues to pursue to take care of your medical bills and injuries.
For instance, we want to examine whether the car you are driving is covered by an uninsured motorist policy even though you might not carry this for yourself and your own vehicle. We would also want to know whether there are other relatives with whom you live that have their own insurance policies. As you can see, there are a myriad of ways that an experienced attorney can help you if you are injured by an uninsured motorist and we encourage you to call The Angell Law Firm for a free consultation as soon as possible if you find yourself in this position.
If you do have the Uninsured Motorist policy for your car insurance, it is extremely important that your attorney is experienced enough to utilize it the proper way. As mentioned above, your attorney needs to take full advantage of any stackable insurance options. Also, the uninsured motorist attorneys at The Angell Law Firm can help you determine when and under what circumstances it is wise to employ this provision, if available. If you already have two not-at-fault accidents or Uninsured/Underinsured claims within the preceding 36 months, our attorneys will conduct a careful cost-benefit analysis to determine whether it is advisable to make a third claim against your own insurance company with a 36-month span. O.C.G.A. 33-24-44(c) stipulates that your insurance company cannot cancel your policy if you make an Uninsured/Underinsured claim against them as long as it is not three or more within a 36-month span.
As you can see, this is a very complex area of personal injury law in the state of Georgia. There are countless issues and permutations surrounding Uninsured Motorist law requiring an experienced and strategic legal mind to help you. If an uninsured motorist has injured you, please contact us today at (770) 217-4954 and receive a free consultation by one of our Uninsured Motorist attorneys.