Uninsured Motorist Coverage strict time limits and other information.

Attorney Richard Armond of The Armond Firm, LLC, is licensed to practice law in the State of Georgia. Based in Gwinnett County, he handles serious injury and wrongful death cases throughout metro Atlanta and the State of Georgia. Call him for a free consultation at (678) 661-9585.

Uninsured motorist coverage is addressed in Georgia law by O.C.G.A. § 33-7-11. It is important to understand the basics of how this important coverage works. This coverage is not required for you to have, but can be extremely beneficial in protecting your recovery in the event of an injury caused by another driver who turns out to be uninsured or underinsured. For example, if you were injured by another driver who was at fault and that driver had the bare minimum insurance coverage allowed in the State of Georgia, $25,000 per person with $50,000 total per accident, and you had $40,000 in injuries, the other driver’s coverage would be insufficient to cover your claim. If you had $100,000 in uninsured motorist coverage this coverage could cover the $15,000 difference ($40,000 injury minus the $25,000 max for one person’s injuries). If the other driver injured two other people and already paid them each $25,000, then there would be no coverage left to pursue a claim for you from the at fault driver's policy ($50,000 total per accident already exhausted), but you could collect from your uninsured motorist policy.

Why is it important to be represented by an attorney in an automobile accident injury case in Georgia? While Georgia has insurance rules and regulations, statutory law, and case law to navigate in pursuing a claim, one must also realize that when you purchase uninsured motorist coverage you enter into a contract with your insurance company. Contracts can vary in their terms from company to company. Most uninsured motorist policies have very strict time limitations for notifying your own insurance company of a claim. If you do not report the claim timely in accordance with what the contract required, you can lose the ability to collect.

Uninsured motorist policies also have particular requirements regarding the information you must provide to your own uninsured motorist carrier regarding reporting of the accident, witnesses, injuries, etc. They typically require you to cooperate with them in their investigation of the accident. When speaking with any insurance company it is important to have an attorney representing your interests. To ensure that you protect your rights with regard to receiving fair compensation for the coverage you paid for it is important speak with a lawyer who handles these types of cases promptly.

If you or a loved one have been injured in a traffic accident and would like to speak with an attorney contact Richard Armond at (678) 661-9585 for a free consultation.

The information above is for informational purposes only and should not be relied upon as legal advice, nor does the reading of it form an attorney-client relationship. Always consult directly with an attorney for legal advice.