Car accident
More Than 20 Years of ExperienceMore than $50 Million in Verdicts and Settlements Recovered

Uninsured & Underinsured Motorist Claims

Uninsured/Underinsured Motorist Claim Attorneys 
by Personal Injury Lawyer Casey W Stevens
Alpharetta - Woodstock - Canton - Dawsonville - Suwanee - Cumming - Atanta - Georgia
Get the Best Use of Your UIM Coverage
Georgia State Law requires a minimum amount of auto insurance coverage for each Georgia Driver:
$25,000 per person and $50,000 per accident Bodily Injury Liability.
$25,000 per accident Property Damage Liability
$25,000 per person and $50,000 per accident Uninsured Motorist Bodily Injury
$25,000 with a $250, $500 or $1000 deductible Uninsured Motorist Property Damage

What happens if you are injured by a driver who carries car insurance coverage inadequate to cover your expenses after an accident?  Technically you are able to go after their personal assets to cover the rest of the costs, but realistically that is very unlikely.  One reason is because drivers who carry minimum coverage often do not have any appreciable assets.  If they do have assets worth pursing, often these defendants will avoid recovery by hiding assets or filing bankruptcy.  So what can you do?

Uninsured/under-insured motorist coverage is a type of auto insurance policy that protects you in the event that you are injured in an accident with a driver who is uninsured or under-insured. Uninsured driver insurance can also be used if you are injured in a hit and run accident or while walking or riding a bicycle.

Georgia law regarding insurance coverage minimums does not require drivers to carry uninsured driver insurance, but insurance companies are required to offer it.

At the personal injury Law Offices of Casey W. Stevens, our experienced accident lawyers know how to analyze the insurance policies of everyone involved in a motor vehicle accident in order to give our clients the best chance of receiving the fairest possible compensation.

Our founding attorney, Casey W. Stevens, is a former insurance defense attorney which gives him a unique perspective while handling personal injury cases.  Having working knowledge of the plaintiff and the defendant's side of the case handling process is a distinct advantage from which our clients benefit.

Select 'Stacking' Car Insurance Coverage

If you can, make sure your car insurance policies are "stacking." Stacking insurance coverage means that you can add up the coverage limits of different insurance policies to recover the maximum possible compensation. Here are illustrations of non-stacking and stacking insurance coverage:

  • Non-stacking coverage: Your use of uninsured motorist (UIM) coverage is limited to the difference between the policy limits of your UIM coverage and the policy limits of the at-fault driver's liability coverage. Say that the value of your personal injury case is $75,000. The at-fault driver’s has liability coverage limits of $25,000 for bodily injury. You have uninsured motorist bodily injury coverage for $50,000. The total amount you can recover is $50,000 — $25,000 from the at-fault driver and $25,000 ($50,000 UIM coverage minus $25,000 paid from the at-fault driver's insurance).
  • Stacking car insurance coverage: You can add UIM insurance to other sources of insurance compensation. Again, say that the value of your personal injury claim is $75,000. The at-fault driver’s liability coverage maximum is $25,000 for bodily injury. You have UIM coverage for $50,000. The total amount you can recover would be $75,000 — $25,000 from the at-fault driver and $50,000 from your UIM coverage.
Get Answers to Your Questions About Uninsured Insurance Claims

If you have been in an accident with an under-insured or uninsured driver and have questions about how to maximize your financial recovery, contact Casey W. Stevens for a free consultation with one of our principal personal injury lawyers. Call (770) 408-6364 or contact us online.

Client Reviews
★★★★★
After being involved and a five car accident I contacted Casey Stevens law firm. I was given his number by a fellow coworker at my job who had used him in the past and was very satisfied with his services. The car accident included myself my husband and my son, the accident was determined to be the fault of two drivers involved in the accident. Casey personally came to my home the next day and said down with me and my family at the kitchen table and went over all the events of the accident. There were months and months of physical therapy, doctor visits injections and while my son had to have his mouth wired after having his jaw broke in three places. Casey and his staff worked continuously on our case and after it was all said and done, they where able to get us over $300,000 in damages. I really want to Thank Casey Stevens and his staff for always being available for phone calls and answering any questions I might have. I will continue to recommend potential clients to Casey Stevens law firm. - Nina F
★★★★★
Outstanding Attorney. Casey Stevens is outstanding!! Everyone there put me at ease and made me feel that my case was important to them, I was not just another number to them. Their professional staff were always on hand to answer any questions that I had and they sincerely cared about my well being. If I ever need legal help again, you will be my first and only call - Susan