While not required, a lawyer can help navigate the claims process, deal with the insurance company, and ensure you receive fair compensation.
Can I negotiate a settlement under UM/UIM coverage in Georgia?
Yes, you can negotiate with your insurance company. It's often beneficial to have a lawyer to help negotiate fair compensation.
What are the limits for UM/UIM coverage in Georgia?
The limits vary based on your policy. Georgia law requires insurers to offer UM/UIM coverage at least equal to the state's minimum liability limits unless you choose a lower limit or decline the coverage.
How do I file a UM/UIM claim in Georgia?
Notify your insurance company immediately after the accident. Provide all necessary documentation, including the police report and details about the other driver (if available).
What’s the difference between ‘stacking’ and ‘non-stacking’ UM/UIM coverage in Georgia?
'Stacking' allows you to combine the UM/UIM limits of multiple vehicles on your policy for a higher coverage limit, while 'non-stacking' limits you to the coverage for one vehicle.
Can I use UM/UIM coverage for hit-and-run accidents in Georgia?
Yes, UM/UIM coverage can be used in hit-and-run accidents where the at-fault driver is not identified.