Uninsured/underinsured motorist coverage (UM/UI) is a way to protect yourself if you are in an accident caused by an uninsured or underinsured driver. Most people don’t realize that UM/UI coverage can also be helpful in several situations. As with liability insurance, you can purchase UM/UI in varying amounts. In some situations, UM/UI may be used with other insurance payouts.
Figuring out how to deal with your costs after an accident can be difficult, especially if you learn that the at-fault driver didn’t have insurance coverage. Some people believe they are out of luck and will be stuck dealing with the expenses on their own. Fortunately, other options are often available UM/UI insurance.
If you’re at a loss for covering costs after an accident with an uninsured driver, you need the help of a Georgia car accident attorney to explain all your options. Attorney Ali Awad is a skilled personal injury attorney who assists clients with insurance claims and other methods of seeking compensation. He established the CEO Lawyer Personal Injury Law Firm and quickly turned it into one of the fastest-growing law firms in the country. When you need help with a car accident claim, the CEO Lawyer Personal Injury Firm provides free consultations, and if we take your case, you won’t pay anything until we win.
What Happens to Uninsured Drivers in an Accident?
Hopefully, you’re not reading this because the uninsured driver is you, which limits your options for seeking compensation. However, if the other driver was at fault, you should still be able to make a claim against their car insurance. You shouldn’t let your lack of insurance prevent you from seeking damages from a responsible party or their insurance carrier. In some situations, there may be other options, which your attorney will go over with you. But you will not be able to rely on your own UM/UI, MedPay, or collision coverage if the other driver was also uninsured or if you were predominantly at fault. (Fortunately, situations where two uninsured drivers have an accident are not that common.)
If you’re reading this because you were hit by an uninsured driver, you will likely have a wider range of options, depending on the limits of your own coverage. The uninsured motorist will be ticketed for driving without insurance, and you can sue them directly for your damages. Unfortunately, this is often not a practical option. In many cases, drivers lack insurance because they can’t afford it. If this is the reason, they probably can’t afford to pay a judgment when you win in court. We don’t recommend clients invest time and court costs in a lawsuit that will never result in the collection of any damages won.
Some UM/UI policies are “stacking,” meaning they can be used in addition to the other driver’s insurance, while others are non-stacking. Essentially, a non-stacking policy only guarantees you will have X amount of coverage. So a non-stacking $25,000 policy is useful if the other driver has no insurance at all, but if they have $25,000 in liability coverage, you will not be able to use the additional $25,000 from your UM/UI policy if your medical costs exceed that amount.
However, if you had a $50,000 UM/UI non-stacking policy, you would still have access to an additional $25,000 after the at-fault driver’s insurance paid its limit. Or, if you had a stacking policy for $25,000 and the other driver had a $25,000 policy, you would have $50,000 in combined coverage for your medical costs.
What if You’re Hit by an Uninsured Motorist While Walking or Riding a Bike?
Another misconception about UM/UI insurance is that it will only apply if driving your insured vehicle when the uninsured motorist hits you. This is not the case. UM/UI also applies if you are walking, riding a bike, or even riding on public transit when the accident happens. Additionally, you can use this coverage if you’re in an accident with a hit-and-run driver who is never located.
UM/UI typically covers:
You and your spouse.
Other relatives who live in your household (usually children old enough to have a driver’s license, but can also apply to parents or other relatives who live with you).
Anyone using your car with your permission. So if you loan your car to a friend and they’re hit by an uninsured motorist, you don’t have to worry about who will pay for the damage to your car.
A passenger riding in your car with your permission.
In situations where your damages outpace your UM/UI coverage as well, there may in some cases be other options for securing compensation.
Call the CEO Lawyer Personal Injury Law Firm
If you or a loved one have been injured by an uninsured or underinsured motorist, the best way to learn about the options for your particular situation is to call the CEO Lawyer Personal Injury Firm for a free consultation. We’ll answer your questions and explain the possibilities. If we take your case, we’ll work on a contingency basis, and it won’t cost you anything until we win.
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Frequently Asked Questions
After a personal injury, you're bound to have legal questions. The CEO Lawyer Ali Awad can provide you with answers to these questions, just as he's given answers to his millions of curious social media followers. Take a look at some of the most common personal injury law questions for general information, and then reach out to one of our seasoned attorneys for specific guidance on your case!
To quickly resolve matters following an accident, insurance companies will offer you less than you deserve in compensation for your injuries. Many victims feel pressured to accept these offers as the bills begin to pile up, but that is rarely a good idea. The insurance company is looking to protect its bottom line; and will offer injured victims less than they deserve. An experienced personal injury attorney understands how to negotiate with the insurance company and can look out for your best interests by getting you the compensation you deserve after an injury. If you or a loved one has been injured in an accident, it is important to avoid negotiating or providing recorded statements to the insurance company without first seeking help from a qualified personal injury attorney.
Do You Have a Personal Injury Case?
The best way to determine if you have a personal injury case is to speak with a knowledgeable attorney. Our legal professionals have the expertise to evaluate your case and determine a strong legal strategy so that you can obtain the greatest amount of compensation possible under the law. We will enlist investigators, assistants, and other specialists to collect accident reports, speak with witnesses to your accident, and put together a plan. While you focus on your physical recovery, we will remain committed to fighting for the compensation that you deserve.
Georgia's Personal Injury & Accident Firm
Accident victims have a limited time to file a personal injury lawsuit. This time period is referred to as the statute of limitations, and in Atlanta, it lasts only two years. This means that if you or a loved one has been injured in an accident, you have only two years to pursue a personal injury suit. If you wait too long to reach out to an experienced attorney, you might be forever barred from seeking the compensation you deserve.
What to Expect From Your Initial Consultation With a Personal Injury Attorney?
During your initial consultation with CEO Lawyer team, we will go over the important details of your personal injury accident, which include the nature and extent of your injuries, how your injuries have impacted your ability to earn a paycheck, the cost of your medical treatment, and whether further medical treatment will be required. We will answer any questions you might have, as well, in regards to our experience, our track record of success, and what to expect from the legal process.
Many personal injury victims wonder if they will be able to afford the legal fees required to pursue a lawsuit. CEO Lawyer injury and accident attorneys will not ask for any type of upfront fee unless we are successful in obtaining compensation for you. That means that if you have been harmed in a motor vehicle accident, slip and fall accident, defective product accident, or any other type of personal injury accident, you can absolutely afford to contact our law office today for assistance. In fact, you cannot afford to wait. Reach out today.
We understand that some accident victims might have already obtained the assistance of an attorney but may be dissatisfied with the services provided. We are standing by and prepared to help you change legal representation, regardless of where you are in the process.
Speak to an Experienced Personal Injury Attorney Today
If you or a loved one has been injured in any type of personal injury accident, you should not hesitate to speak with the experienced attorneys at CEO Lawyer personal injury law firm. Call, email, or fill out our online contact form today so that we can begin helping you pursue the compensation you deserve.