If you have uninsured motorist coverage, then your insurance company will cover the damage caused by driver without insurance up to the limits of your policy, which is usually the same as or comparable to that of your personal liability coverage.
If you are in an accident with a driver who does have insurance, but lacks the amount of insurance necessary to cover the extent of your claim's damages, underinsured motorist coverage will cover the difference up to the limits of your policy.
You should check your current insurance policy to see if you already have uninsured/underinsured motorist (UM/UIM) coverage. You can always add this extra protection to your insurance policy.
If you do not have UM/UIM coverage, your insurance provider may require a letter in which the other driver confirms that he or she has no coverage, so be sure that you get all of the contact information from the other driver, including the license plate tag of the car and his or her driver's license number.
Uninsured or underinsured coverage claims after an Atlanta accident can put you and your insurance company on opposing sides, and they may try to decrease the amount of money they pay you if you are found at fault in some way, even minimally. You should speak with a Georgia car injury lawyer before accepting any settlements or giving a statement to an adjuster.
Contacting a Georgia Car Injury Lawyer
If you are the victim of someone else's negligence or carelessness, whether in a traffic accident or some other type of accident, you have certain rights guaranteed by law. To help you understand these rights and seek the compensation you may be eligible for to help get your life back in order, contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation on your Atlanta accident claim - 404-842-7838.