Georgia U.M. Coverage (Uninsured and Under Insured Motorist Coverage): Accident & Injury Attorney Explains How the Injured Party is AffectedAugust 25, 2009
When injured by a wrongdoer that has no insurance or very little insurance, one can make a claim against one’s own insurance company if the injured party has UM insurance coverage.
Georgia uninsured motorist coverage or under insured motorist coverage is an additional coverage that can be purchased from one’s Georgia Auto Insurance Company. The UM coverage provides additional funds to assist an injured party when the wrongdoer either has no insurance (Uninsured Motorist) or, when the wrongdoer does not have sufficient insurance amounts (Under Insured Motorist).
It is important to remember that if the wrongdoer does have some insurance, and the case is settled, all of the wrongdoer’s policy limits must be exhausted and a properly drafted Limited Release be signed in order to go after the UM policy for a car accident in Georgia.
Additionally, many people are surprised to learn that Georgia Injury and Accident litigation over Uninsured Motorist and Under Insured Motorist policy payments are routinely disputed by the UM carrier although it is the injured party’s own insurance company. The UM carrier, generally, does not enjoy paying out money regardless of its duty to fairly evaluate the claims of its own insured.
Georgia Injury and Insurance Law now allows for “stacking” of UM policies on top of and in addition to the wrongdoer’s policy provided that the injured party did not opt out of this type of coverage.
Likewise, if the injured party has multiple UM policies they can, sometimes, combine/ “stack” the policies to provide additional funds to compensate the injured party.
The area of UM Insurance is fairly complex and can sometimes mean the difference between a fair recovery and no recovery at all. Therefore, when hiring a Georgia Injury and Accident Attorney to handle an injury matter (auto accident, trucking wreck, or other negligence) it is very important that the injured party have a discussion with the attorney about the attorney’s knowledge of Uninsured Motorist and Under Insured Motorist coverage.
At Breakfield & Associates, Attorneys, in Gainesville GA, we welcome anyone with any UM questions to Call or Email us. Please remember that all personal injury initial consultations are free of charge.
About the author: John Breakfield is an attorney with Breakfield & Associates, Attorneys in Gainesville, Georgia and handles matters regarding those injured by the Negligence and fault of others. The law office of Breakfield & Associates, Attorneys can assist clients with car accident and injury cases throughout Georgia including: Hall County (Gainesville, Oakwood, Flowery Branch), White County (Cleveland), Clarke County (Athens), Lumpkin County (Dahlonega), Gwinnett County (Buford, Sugar Hill, Lawrenceville, Duluth), Dawson County (Dawsonville), Habersham County (Demorest, Cornelia), and all of Northeast Georgia.
This article should not be considered nor relied upon as legal advice since it is only intended for general overview and informational purposes. Please consult with an attorney on your specific situation in order to determine an appropriate legal course of action.