Serving those Injured by Underinsured Motorists in Macon, Hawkinsville, and Dublin, Georgia
The involvement of an underinsured or completely uninsured driver can make an already difficult accident much more complicated. You’re likely already frustrated by the damage to yourself, your vehicle, or your property, and you may be suffering from injuries you sustained in the crash. The last thing you should have to worry about is dealing with insurance administrators.
It’s the job of insurance companies to look for any avenue they can find to avoid paying out for claims or at least pay as little as possible. Nelson & Smith Attorneys at Law know how insurance companies work and how to deal with them. Our accident and injury lawyers in Macon handle all our cases diligently and ensure our clients aren’t left holding the bag for someone else’s negligence.
To obtain a fair settlement or favorable verdict in a personal injury case, you must prove the other party was negligent. In the case of underinsured or uninsured motorists being at fault for your accident, you must assess their level of negligence by evaluating several factors.
Did they disregard the speed limits? Did they improperly signal, or forget to use their headlights at night? Did they run through a stop sign or red light? The rules of the road exist so you can anticipate the actions of other drivers, and it is up to all drivers to safely follow these rules so they don’t endanger other motorists. Every driver holds a duty of care to respect the rules of the road in the interest of public safety.
When drivers disregard their responsibilities to operate their vehicles safely, they are effectively breaching this duty of care to the public, putting others at risk. When their disregard for the law injures someone else, then they can be proven negligent, entitling the injured party to claim damages. In some cases, the plaintiff may collect punitive damages if the at-fault driver was breaking the law during the course of the incident.
Damages and Insurance Payouts
If the negligence of another driver caused your accident, and his or her insurance coverage isn’t enough to cover the costs of the damage or potential medical expenses, it can further complicate an already stressful situation. Some insurance providers offer optional underinsured/uninsured motorist insurance, which will cover your damages in the case of an accident with an at-fault driver who doesn’t have adequate insurance coverage.
An underinsured motorist may only have coverage for a fraction of the total damages, so your accident attorney will need to assess your own insurance. If you opted for underinsured or uninsured motorist coverage, you may have a safety cushion against the mounting expenses of your accident, but it may not be enough to cover all of your damages or the suffering you’ve endured.
Georgia law requires any uninsured or underinsured motorist clauses in your car insurance contract to be declined in writing. This is to ensure all drivers are given the option to lower their risk of being left holding the bill after an accident involving a driver with inadequate insurance. A good personal injury attorney will pursue the limit of your policy, minus whatever coverage the at-fault driver carries.
Find Reliable Representation
You may need to file a lawsuit against your own insurance company to receive the upper limit of your coverage. Insurance companies will attempt to find any possible reason to avoid paying out your full policy. It’s absolutely vital you have competent, aggressive legal counsel who will explore every option and make certain your rights are protected.
The legal team of personal injury lawyers at Nelson & Smith provide comprehensive and compassionate legal assistance in any uninsured or underinsured motorist accident case. Visit our website or call us to start reviewing your case, and we will work tirelessly to ensure you receive fair compensation for your damages.