Nearly 12% of Georgia drivers are uninsured. Overbird Law helps accident victims recover compensation through UM/UIM claims when the at-fault driver lacks adequate insurance.
Georgia Uninsured Motorist Attorney
Georgia law (O.C.G.A. § 33-7-11) requires every auto insurance policy issued in the state to include uninsured motorist (UM) coverage unless the policyholder explicitly rejects it in writing. This coverage is your safety net when you are injured by a driver who has no insurance, insufficient insurance, or cannot be identified (as in hit-and-run cases). Despite being part of your own insurance policy, UM/UIM claims are adversarial — your insurance company will fight to pay as little as possible.
Georgia requires minimum liability coverage of $25,000 per person and $50,000 per accident, but these amounts are woefully inadequate for serious injuries. When the at-fault driver carries only minimum coverage and your medical bills exceed their policy limits, your underinsured motorist (UIM) coverage kicks in to cover the difference. However, stacking rules, offset provisions, and policy exclusions make UIM claims surprisingly complex. Attorney Jonathan Overman navigates these complexities to maximize your recovery.
One of the most important aspects of Georgia UM/UIM law is the add-on versus reduced-by method of calculating benefits. Under the add-on method, your UM coverage pays on top of whatever the at-fault driver's insurance pays. Under the reduced-by method, your UM coverage is offset by the at-fault driver's payment. The method your policy uses can mean a difference of tens of thousands of dollars. Overbird Law carefully analyzes your policy language to ensure you receive every dollar of coverage you are entitled to.
Your own insurance company is required to act in good faith when handling your UM/UIM claim, and Georgia law (O.C.G.A. § 33-4-6) provides significant penalties for bad faith claim handling — including up to 50% additional damages plus attorney fees. If your insurer unreasonably delays, denies, or undervalues your UM claim, Overbird Law will pursue bad faith remedies to hold them accountable and maximize your total recovery.
Your own insurance company should not shortchange you. Let us fight for the full value of your UM/UIM claim.
UM/UIM Claims
We review your auto insurance policy to identify all available UM/UIM coverage, including stacking opportunities across multiple vehicles on the same policy.
When your own insurance company acts in bad faith on a UM claim, Georgia law provides powerful remedies including penalty damages and attorney fee recovery.
Georgia law may allow stacking of UM coverage across multiple vehicles or policies. We analyze all available coverage to maximize the insurance pool available for your claim.
When the at-fault driver flees and cannot be identified, your UM coverage functions as your primary source of compensation. We handle the claim as aggressively as a third-party case.
Contact us today for a free, no-obligation case review.
