Request a Free Consultation Today

If you believe you may have a case, fill out our online contact form or call us when you’re ready, at (229) 468-0832.

Recent Articles / News

  • What Affects Pain and Suffering Damages

    In a personal injury case, there are numerous factors that are significantly influential in determining the amount of compensation you may receive. The more fully aware you are of these factors, the more knowledgeable and the more able you become in order to make certain that you are fully compensated. The two main, most basic … Continue reading

VISIT OUR BLOG

Uninsured or Underinsured Insurance Claims in Georgia

Insurance is designed to protect us when bad things happen. People pay for this safety net and expect to reap the benefits if those bad things come to fruition. However, in some cases, the person who causes someone else harm has inadequate or nonexistent insurance policies, leaving the victim wondering what comes next.

Up to one in eight drivers in the United States has no insurance coverage, according to the Insurance Information Institute. Nearly 12 percent of motorists in Georgia are driving with no insurance. This lack of insurance puts victims in a serious bind when they face large costs for injuries at the hands of an uninsured driver.

At the Dove Law Firm, we have seen many different types of injuries.

We’ve helped clients facing a variety of legal challenges, including those involving underinsured or uninsured motorists. We make sure that no matter what the situation facing our clients, they get the compensation they need to cope with injuries.

What Happens When an Uninsured or Underinsured Motorist Causes Injuries

When a negligent driver is responsible for causing serious harm to another person, that victim can often file a claim with their own insurance company to receive payment to cover the costs of the injuries they have suffered. In some cases, a victim can file a lawsuit against the negligent driver.

This is where the skill and experience of a personal injury attorney is especially useful for an injury victim.

An attorney will investigate your case and determine the course of action most likely to result in adequate compensation. Attorneys can also make sure that insurance companies do their part to provide payment to an injured person. It is not uncommon for insurance companies to offer compensation packages that fail to address the needs of a victim. An attorney will work in the best interest of their client to ensure their needs are met.

Determining Whether a Motorist is Uninsured or Underinsured

If you are involved in a collision with another driver, one of the first things you should do is to ask them for their insurance information. If they do not have insurance, then you can inform your attorney immediately of the problem. Conversely, it will likely take longer to find out if a driver is underinsured. In these cases, a victim has likely already contacted an attorney, who can then determine the best course of action for their client.

When Insurance Companies Resist Payment

Unfortunately for the injured party, insurance companies don’t always make it easy in these types of cases. Insurers can dispute claims and offer payments that don’t meet the needs of the insured. This makes life difficult for someone involved in a crash with an uninsured driver. While some insurance policies offer coverage for accidents with underinsured or uninsured motorists, not all do.

Economic Impact of Injuries in Vehicle Crashes

A vehicle crash can cause a series of devastating consequences for an injured person. In addition to pain and suffering, victims also face several financial ramifications, including property damage, repair costs, medical bills, lost income, loss of work capacity and a decreased quality of life. The whole point of insurance is to provide a safeguard for these victims, but when a driver fails to have adequate insurance, it is often their victim who bears the costs.

What to Do After a Vehicle Accident

While the insurance coverage of the other driver will inevitably play a role in the compensation process, people involved in a vehicle crash should follow the same protocol following a crash. This will maximize your chances of getting payment for the damages you suffer.

Auto Accident SceneTAKE PHOTOS OF THE ACCIDENT.

When involved in a vehicle crash:

  • Make sure everyone involved in the accident is okay.
  • If anyone is injured, seek immediate medical assistance.
  • Contact the police so they can respond to the scene of the crash.
  • Exchange information with the other driver, including basic contact information and insurance.
  • If possible, take pictures of the scene.
  • Get the contact information of any witnesses.
  • Contact an attorney.

Victims still have several legal options at their disposal. At the Dove Law Firm, we know how to help our clients get the payment they deserve. Whether pursuing claims against the negligent driver or working on behalf of our clients to seek compensation from their own insurance company, we get results for those we represent.

If you or a loved one has been involved in vehicle crash with an uninsured or underinsured driver, we can help. We will work tirelessly to make sure you and your loved ones get the help you need. To learn more about your legal options, contact us today to schedule a free consultation.

image

Connect With Us

We are proud to serve the counties of Irwin, Ben Hill, Crisp, Wilcox, Jeff Davis, Coffee, Tift, Dooly, Atkinson, Colquitt, Berrien, and Dodge. We are appreciative of the opportunity to serve the cities of Ocilla, Fitzgerald, Abbeville, Eastman, Hazelhurst, Tifton, Douglas, Moultrie, Nashville, Enigma, and Cordele.

  • fb
  • Google +
  • contact-us

Request a Free Consultation

If you believe you may have a case, fill out our online contact form or call us when you’re ready, at (229) 468-0832.

Georgia Trial Lawyers Association
GACDL
State Bar of Georgia
Super Lawyers