Recovering Maximum Insurance Compensation After An Accident
If you have been the victim of a car accident where the other driver had no insurance or inadequate insurance to comprehensively cover your losses, our lawyers at The Law Office of George O. Haskell, IV, in Macon, Georgia, can provide you with the assistance you need. We understand that it is difficult enough to deal with the personal ramifications of a car accident that was not your fault without having to worry that the negligent party cannot cover your bills as they do not have the insurance they should.
Many drivers do not carry the insurance coverage that is required by law. This is a difficult situation when the uninsured driver is the cause of an accident. There is a type of insurance policy that you may have that can help in this situation. Contact us today to discuss your insurance options.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured (UM/UIM) coverage is provided by your own insurance carrier. It allows you to recover funds for your personal injuries, medical bills, lost wages, and other damages, even if the driver who caused the accident did not have liability insurance, or did not carry enough liability insurance to cover your injuries. Uninsured motorist (UM) is a type of insurance coverage that provides compensation to you, your family members, and anyone occupying your vehicle, if you are injured by a negligent driver who has no insurance. If the other driver has insurance, but not enough to cover all of the injuries, underinsured motorist (UIM) coverage comes into play.
Your insurance carrier may require you to accept a settlement from the other person’s insurance company in situations involving an underinsured driver before it will step in to cover your other losses according to your UM/UIM policy. Before accepting any offer from the other driver’s insurance company, talk to your attorney in order to ensure that your rights are still protected under your own insurance policy. Your insurance company will utilize all avenues it has in order to reduce the amount of money it pays to you.
Contact a Macon Uninsured Motorist Lawyer
For more information on uninsured/underinsured motorist coverage after a car accident or hit-and-run, contact a personal injury lawyer at the Law Office of George O. Haskell, IV, in Macon, Georgia, today. A free initial consultation is available so a member of our firm can evaluate your case and needs.