{"id":4417,"date":"2024-07-30T17:01:32","date_gmt":"2024-07-30T17:01:32","guid":{"rendered":"https:\/\/www.awjlaw.com\/?page_id=4417"},"modified":"2025-06-18T08:16:41","modified_gmt":"2025-06-18T08:16:41","slug":"how-much-can-i-get-from-an-underinsured-motorist-claim","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/faqs\/how-much-can-i-get-from-an-underinsured-motorist-claim\/","title":{"rendered":"How Much Can I Get from an Underinsured Motorist Claim?"},"content":{"rendered":"

How much you can get from an underinsured motorist claim depends on how much coverage you choose when selecting your policy. As an at-fault state, Georgia does not require drivers to carry uninsured\/underinsured motorist (UM\/UIM) coverage. However, purchasing this optional add-on can help, given the prevalence of underinsured drivers on the road.\u00a0<\/span><\/p>\n

A <\/span>Marietta car accident lawyer<\/span> can help you tap into your own UM\/UIM policy limits when at-fault drivers lack sufficient liability coverage. An attorney can also help you file a personal injury lawsuit if your injuries and losses exceed your UM\/UIM coverage limits.<\/span><\/p>\n

how Much Compensation Does Underinsured Motorist Coverage Offer?<\/span><\/h2>\n

The minimum UM\/UIM coverage in Georgia starts at <\/span>$25<\/b>,000<\/b> for bodily injury per person, <\/span>$50<\/b>,000<\/b> per accident for bodily injury, and <\/span>$25<\/b>,000<\/b> for property damage. While useful, these low limits are often inadequate for covering more severe collision injuries and losses. A <\/span>Marietta personal injury lawyer<\/span> can review your UM\/UIM policy to determine your coverage limits.\u00a0<\/span><\/p>\n

You have the option to purchase more UM\/UIM coverage, but <\/span>O.C.G.A. \u00a733-7-11(a)(1)(A)<\/span> requires Georgia\u2019s auto insurance providers to offer this minimum, which is the minimum liability coverage the state requires all drivers to carry.\u00a0<\/span><\/p>\n

Keep in mind that the more UM\/UIM coverage you purchase, the higher your premium will be. Additionally, you cannot retroactively apply <\/span>uninsured motorist coverage<\/span> if you purchase it after an accident with a driver who lacks insurance. This is why we highly recommend purchasing this optional coverage from the start or as soon as possible.\u00a0<\/span><\/p>\n

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Call Today For A Free Consultation <\/h3>\n
\n (770) 427-5498<\/a>\n <\/div>\n <\/div>\n <\/div>

you Still Have To Prove The Other Driver Negligent For An Underinsured Motorist Claim<\/span><\/h2>\n

While you purchased UM\/UIM coverage as protection against irresponsible drivers, it’s important to understand you still must prove the other motorist was at fault and liable before triggering your own policy’s underinsured benefits.<\/span><\/p>\n

filing An Underinsured Motorist Claim Can Be Challenging<\/span><\/h3>\n

Insurance companies may look for any opportunity to deny or devalue underinsured motorist claims to preserve profits. Even though the UM coverage is coverage you purchased under your policy, your insurance company will still fight to pay as little as possible. They place a high burden on claimants to establish:<\/span><\/p>\n