Uninsured Motorist Claims in Valdosta
Get Legal Help with Your Uninsured/Underinsured Motorist (UM/UIM) Claim
At Langdale Law, we have recovered millions of dollars for our clients by seeking UM/UIM insurance coverage. Not only have we helped our own clients succeed, but, thanks to our reputation, we have also taken on cases referred to us by other attorneys to help their clients recover insurance from being in an accident with an uninsured or underinsured motorist.
The advertising attorneys you see on TV have too many cases to have the time to dig into alternative solutions like UM/UIM coverage, leaving clients with less than they deserve. At Langdale Law, we intentionally keep our caseload small and manageable so we can personally oversee every detail of your case.
Our Valdosta uninsured/underinsured motorist claim lawyers will not overlook available insurance coverage that can be used to compensate you. You have already been injured and suffered a loss, why take a risk with an attorney that may cause you to suffer yet another? Contact our firm today to learn about your legal rights and more during a free case evaluation.
What Is Uninsured/Underinsured Motorist Insurance?
Uninsured/Underinsured Motorist (UM/UIM) coverage is found on your own automobile insurance policy and is arguably the most important type of coverage that drivers should get. It provides you additional insurance coverage when the at-fault driver does not have enough insurance coverage of their own to pay you for your damages or if the at-fault driver is uninsured.
There are different types of UM/UIM policies. For instance, with some, you can add your UM/UIM coverage to the amount of the at-fault driver’s coverage; with others, you simply look to the difference between your UM/UIM coverage and the at-fault driver coverage to determine a payout.
There are also times when you can stack UM/UIM coverage with that of resident relatives in your household. Our legal team will help you determine which coverage is available to you based on the details of your unique policy and situation.
Is UM/UIM Insurance Required in GA?
It is important to note that UM/UIM coverage is not required in the State of Georgia—it is only supplemental coverage by law. Please check your insurance policy to determine if you have UM/UIM coverage and can seek compensation if the driver who hit you is un- or underinsured.
Reasons Drivers May Not Have Insurance
Auto insurance, while required by state law, is a major investment that many people either cannot afford or choose not to bother with. According to an article on MSN.com, roughly one in eight American motorists in 2018 were uninsured. Insurance.com ranked Georgia 23 of all 50 states based on the percentage of uninsured motorists in the state—12.4%.
Reasons Americans may drive with little to no auto insurance includes:
- Auto insurance policies are too complex to bother with
- Lack of trust of insurance policies and companies
- They assume they don’t need coverage because they’re a good enough driver
- They cannot afford insurance coverage
- They may be driving a car that they do not own (borrowed, stolen, etc.)
Why Should You Hire a Uninsured Motorist Claims Attorney?
If you have uninsured/underinsured motorist (UM/UIM) coverage on your policy and have been involved in a motor vehicle accident, it is important that you consult with an experienced Valdosta uninsured motorist claim lawyer immediately. UM/UIM claims have time restraints and nuances that an uninsured claims attorney is familiar with and can ensure are met.
UM/UIM coverage is the most overlooked coverage by attorneys who do not specialize in representing injured persons in car accidents. Unfortunately, many attorneys do not understand all of the legal issues surrounding this type of coverage.
An experienced attorney understands that you must determine all available insurance coverage, including any potential UM/UIM coverage early on. Even many attorneys who advertise themselves as car wreck experts on billboards and TV can overlook valuable UM/UIM coverage available to cover your losses.
One misstep and you lose your chance to obtain more compensation. At Langdale Law, we will explore every possible avenue to ensure you secure the maximum compensation you deserve.