Even if you are the safest driver in history, you can still get into an accident because you share the roads with other vehicles. You may never take chances and may always obey all speed limits and traffic laws, but you still run the risk of being involved in a wreck, which may involve injuries, with a driver without adequate insurance or with no insurance at all.
Normally, when you suffer from an injury because of another party’s actions, you are entitled to pursue a claim for the damages to which you are entitled by law. However, if the person who caused the accident does not have enough insurance or personal assets to properly compensate you, you may be left without a way to pursue compensation.
Hopefully, you have uninsured motorists or under-insured motorist coverage as part of your automobile insurance. Under Georgia law, drivers are only required to cover insurance for $25,000 per person for bodily injury (maximum of $50,000), and $25,000 for property damage. If a driver only has the minimum insurance required and causes a major accident, even the most severely injured person can recover $25,000 for his or her injuries, even though it’s likely the case may be worth a lot more.
If you are injured in an automobile collision, and the value of your injuries and property damage exceeds the insurance carried by the other party, you may be able to pursue a claim against your insurance company pursuant to the terms of your policy. However, it’s important to keep in mind that your interests are different from those of your insurance company. Insurance companies make their money by paying less on claims. In some cases, insurance companies find a way to deny claims entirely. They may do that by alleging that your claim falls under some loophole in the policy, or they may require you to submit a great deal of evidence before they will process your claim.
If you have been injured in an automobile accident with a driver in Atlanta who is underinsured or uninsured, you need to speak with an attorney. You may be entitled to recover under the terms of your policy, but an attorney may need to be involved to ensure that you are being treated fairly. Before speaking with your insurance company about your uninsured or underinsured motorist claim, you should speak to an Atlanta uninsured motorist attorney to learn more about your legal options. You may be entitled to more damages under the terms of your policy than you are aware.
Call the Atlanta personal injury attorneys at Holston & Huntley. We will provide you with a free consultation on your case, and if we choose to take your case you pay us nothing unless we obtain a recovery for you. Call us today at 1-888-513-0004 consultations are free and you are under no obligation to use our services. We serve Metro Atlanta Georgia as well as Birmingham Alabama including surrounding areas.