{"id":747,"date":"2020-09-07T13:40:43","date_gmt":"2020-09-07T13:40:43","guid":{"rendered":"https:\/\/www.awjlaw.com\/?post_type=practice-area&p=747"},"modified":"2025-01-03T15:35:04","modified_gmt":"2025-01-03T15:35:04","slug":"uninsured-motorist","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/uninsured-motorist\/","title":{"rendered":"Marietta Uninsured Motorist Car Accident Lawyer"},"content":{"rendered":"

If you\u2019ve been involved in a car accident caused by a motorist who doesn\u2019t have auto insurance, you might be wondering how you\u2019ll get the money you need to repair your vehicle, cover any medical bills you\u2019re facing due to accident-related injuries, and manage other challenges that the collision has caused.<\/span><\/p>\n

Fortunately, a <\/span>Marietta car accident lawyer<\/span><\/a> from Jones & Swanson will help you pursue damages. Our firm has <\/span>over 45 years of combined experience<\/b> handling cases just like yours. A Marietta uninsured motorist car accident lawyer from our team will determine your best course of action and work tirelessly to get a fair outcome.<\/span><\/p>\n

Understanding Uninsured Motorist Coverage<\/span><\/h2>\n

Many households these days are working on tighter budgets and are looking for ways to cut back on their monthly expenses. Based on our experience, it appears that many people are choosing to reduce the liability coverage on their automobile insurance policies or drop it altogether.\u00a0<\/span><\/p>\n

If you are injured by an uninsured driver or one with insufficient coverage for your claim, you may not be able to recover fair compensation for your claim. For this reason, we encourage all of our clients to discuss uninsured and underinsured motorist coverage with their insurance company or agent.\u00a0<\/span><\/p>\n

Uninsured motorist coverage, or UM, is <\/span>additional coverage on your own auto insurance policy <\/b>that covers you, your family, and any passengers in your car. Please note that insurance companies are prohibited from charging a surcharge for claims made under your own policy where you are not at fault under Georgia law.<\/span><\/p>\n

While UM coverage can offer helpful compensation in the event of an uninsured motorist accident, filing a claim with your insurer can be difficult, especially if you are recovering from a serious injury. The good news is that an uninsured motorist car accident attorney from our personal injury lawyer in Marietta<\/a> will help you <\/span>file a claim<\/span><\/a> and get the damages you need to recover.<\/span><\/p>\n

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Call Today For A Free Consultation With an uninsured motorist accident Lawyer Serving Marietta<\/h3>\n
\n (770) 427-5498<\/a>\n <\/div>\n <\/div>\n <\/div>

Two Different Types of Uninsured Motorist Coverage<\/span><\/h2>\n

If you need to file a claim under your uninsured motorist policy, it\u2019s important to know which type of UM coverage you have. Insurers in Georgia offer <\/span>Reduced UM<\/b> and <\/span>Excess UM <\/b>coverage. Understanding the differences between these two types of coverage can help you make smart decisions during the claims process.<\/span><\/p>\n

A skilled uninsured motorist car accident lawyer from Marietta will explain the details of your policy and help you file a strong UM claim for compensation. You can count on our attorneys to seek fair compensation by filing a claim under one of the following types of UM policies:<\/span><\/p>\n

Reduced UM Coverage<\/h3>\n

Reduced UM is commonly referred to as Traditional UM. Although it has significant shortcomings, having some form of UM is certainly still preferable to none. Choosing reduced uninsured motorist coverage means you will be provided coverage only in instances where <\/span>the at<\/b>–fault party<\/b>\u2019s coverage is less than your coverage<\/b>.<\/span><\/p>\n

Furthermore, the coverage is only applicable to the extent your policy is greater than the at-fault party\u2019s coverage. For example, if you obtain a $100,000 reduced UM policy and are injured in an auto accident by someone with no coverage, you can make a claim through your UM insurer for up to $100,000.\u00a0<\/span><\/p>\n

Or, in the event you are injured in an auto accident by someone with the state minimum $25,000 in liability coverage, your uninsured motorist coverage will be reduced by that amount and provide you with only $75,000 in additional coverage for a total of $100,000 in coverage.<\/span><\/p>\n

Excess UM Coverage<\/h3>\n

Conversely, excess UM coverage, also called add-on UM, <\/span>provides insurance to you<\/b>, your family<\/b>, and your passengers<\/b> in addition to any coverage held by the at-fault party. Using the example above, an excess uninsured motorist policy would still provide you with $100,000 in coverage where the at-fault party has no insurance.<\/span><\/p>\n

However, where the at-fault driver\u2019s coverage is $25,000, your $100,000 excess UM policy will provide you and your loved ones with up to $125,000 in total coverage.\u00a0<\/span><\/p>\n

If you sustain significant injuries and incur extensive medical expenses, the difference in having no UM coverage, reduced coverage, or excess coverage can be drastic. Interestingly, the difference in cost between reduced and excess coverage is often minimal.<\/span><\/p>\n

How to Get Compensation if You don\u2019t Have UM Coverage<\/span><\/h2>\n

If you don\u2019t have Excess or Reduced UM coverage, don\u2019t panic. There are several <\/span>other courses of action you can take<\/b> to get compensation. Our Marietta uninsured motorist car accident lawyers will meet with you to discuss your unique situation and determine what your best path forward is.<\/span><\/p>\n

Depending on the other forms of coverage you have and the details of your accident, you may be able to collect damages by taking one of the following actions:<\/span><\/p>\n

Filing a Lawsuit<\/h3>\n

In some cases, an attorney may advise you to file a lawsuit against the uninsured driver. However, if the driver isn’t insured because they can\u2019t afford coverage, it\u2019s likely they won\u2019t have the funds to pay damages. On the other hand, if the driver\u2019s insurance lapsed or if they are uninsured for another reason, filing a civil suit may be advisable.<\/span><\/p>\n

If it\u2019s in your best interest to take your case to court, our team will gather relevant evidence, construct a strong civil suit, and represent you at trial. We\u2019ll make compelling legal arguments in court and<\/span> fight relentlessly to get a favorable verdict<\/b>.<\/span><\/p>\n

Filing a PIP Claim<\/h3>\n

If you have <\/span>Personal Injury Protection (PIP) coverage<\/span><\/a>, you may be able to file a claim under this policy. This type of policy can provide compensation for any injuries you and your passengers suffered in the collision. This type of policy provides coverage regardless of who was at fault for the crash.<\/span><\/p>\n

In addition to covering medical expenses, a PIP claim can also give you the money you need to replace lost wages. If the accident caused fatal injuries to the driver or passenger, this type of claim can also provide compensation for funeral expenses.<\/span><\/p>\n

Utilizing Collision Insurance<\/h3>\n

If your auto insurance plan includes collision coverage, you may be able to file a claim against this part of your policy. While you\u2019ll have to pay your deductible, your insurer may reimburse you for it at a later date.<\/span><\/p>\n

Reach out to an uninsured motorist car accident attorney in Marietta to learn more about getting the most out of your <\/span>collision insurance<\/span><\/a>.<\/span><\/p>\n

Sue Another Involved Party<\/h3>\n

If there were more than two drivers involved in the collision, you may be able to file a lawsuit against another party. If our team finds that one of the other involved parties contributed to the collision, they may be held liable for your injuries, medical expenses, and other damages.<\/span><\/p>\n

Taking legal action after an accident that involved more than one at-fault driver can be incredibly complicated. To file a successful suit, you\u2019ll need to work with an attorney who is able to commit a great deal of time and effort to your case.<\/span><\/p>\n

At Jones & Swanson, <\/span>we<\/b>\u2019re not like other big<\/b>–box firms<\/b> that treat you like another case number and put minimal effort into your claim. Instead, we\u2019ll treat you like family and prioritize your case. No matter how complicated your accident was, we\u2019ll conduct a thorough investigation and identify all parties that may be held legally responsible.<\/span><\/p>\n

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Contact Our uninsured motorist accident Lawyer Today<\/h3>\n
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What to Do After an Accident Caused by an Uninsured Driver<\/span><\/h2>\n

If you\u2019ve been involved in an accident caused by an uninsured driver, there are several steps you can take immediately after the collision to protect your health and strengthen your claim. Make sure to take the following actions right away:<\/span><\/p>\n