Handling An Uninsured/Underinsured Motorist Claim In Gwinnett County

Drivers in Gwinnett County are required to have insurance on their vehicles. However, some drivers don’t have a policy that would fully cover all of the costs after an accident, or any coverage at all. For this reason, many people have uninsured/underinsured (UIM/UM) motorist coverage. If you’re involved in an accident with someone who doesn’t have sufficient coverage, UIM/UM allows you to make a claim through your own insurer.

Here at Kenney & Medina, P.C., we have more than 60 years of combined experience that we bring to every case. We have received the highest possible AV Preeminent rating from Martindale-Hubbell. Our attorneys are also members of this community, so you know you’re getting a car accident lawyer who really cares about you and the outcome of your case. We offer free initial consultations, so call now.

Understanding Georgia’s Insurance Requirements

Under Georgia law, drivers are required to have minimum levels of insurance. For bodily injury liability, this is set at $50,000 per accident or $25,000 per person. The minimum for property damage is also $25,000.

Unfortunately, these bare minimums do not really reflect the possible losses you can experience after a car accident. Even a used vehicle can cost tens of thousands of dollars, so $25,000 may simply not be enough to cover your property damage, and one hospital trip alone can exceed the basic policy limits.

Benefits Of Uninsured/Underinsured Motorist Coverage

This type of coverage is particularly beneficial if the other driver didn’t buy insurance or only had the minimum, when your costs are going to be much higher than $25,000. Suppose you’re in a scenario like that. In that case, your uninsured motorist coverage helps pay for vehicle repair costs, medical expenses and other direct losses stemming from the crash.

It is frustrating when the other driver doesn’t have the proper coverage or if they won’t cooperate or aren’t available, such as after a hit-and-run crash, but knowing that you have this type of policy yourself can give you peace of mind and cover the costs when you need it most.

Call Now For A Consultation

As noted, our experienced team offers free initial consultations in Georgia. Give us a call at 770-676-3112 or use the online contact form to get started on your claim today.