Car accident
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Uninsured & Underinsured Motorist Claims

Uninsured/Underinsured Motorist Claim Attorneys Serving Alpharetta & RoswellGet the Best Use of Your UIM Coverage

Uninsured/underinsured 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 underinsured. 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 Alpharetta and Roswell 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 who uses the insights he gained during that phase of his career for the benefit of the personal injury plaintiffs our law firm represents.

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 underinsured 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