At Ponton Law, we know that motor vehicle accidents are one of the most common causes of death and catastrophic injury in the Southeast. Our Atlanta auto accident lawyers have the experience and resources to handle even the most challenging cases. It’s important that you contact Ponton Law as soon as possible after you have been involved in a car accident to protect your rights.
Uninsured Motorist Claims
If the person who caused the accident has minimum limits insurance coverage ($25,000.00 in Georgia), you may need to make a UM claim. This is something that we have been seeing more and more of lately, as people drop their policy limits to lessen their monthly premium.
A UM (uninsured/underinsured motorist) claim occurs when you file a claim against your own insurance company. It is imperative that you let your insurance company know about the accident as soon as possible, as your insurance policy has a notice provision which requires you to report the accident. The time frame to preserve your claim varies depending upon the policy language in your contract. Ponton Law will get a copy of your insurance policy and assist with determining the following:
- Can I make a claim for UM benefits under another policy? The UM Act defines an insured to include the named insured, resident relatives, and guests in such motor vehicle to which the policy applies. It may be possible to “stack” an additional UM policy, depending upon the circumstances of the accident and your living arrangements;
- Do I have “reduced” or “add on” UM? Insurance policies issued, delivered, or renewed after Jan. 1, 2009, require you to make a UM election. If you have “reduced” coverage, then your potential recovery is reduced by the at fault person’s liability coverage. If you have “add on” coverage, then your potential recovery is added to the at fault person’s liability coverage. For example, if the at fault party has $25k in coverage, and you have $50k in “reduced” UM, then your recovery is limited to $50k ($25k plus $50k minus $25k). If the at fault party has $25k in coverage, and you have $50 in “add on” UM, then your recovery would be $75k ($25k plus $50k), assuming your damages exceeded these amounts;
- The insurance company must produce a copy of the UM rejection. If they fail to produce a copy of the signed rejection form, there is a good chance your coverage will be considered “add on.”
When serious injuries are involved, these cases can be complex and very expensive to litigate. The lawyers at Ponton Law devote all of their resources to achieving the best possible results for their clients and have recovered millions of dollars in compensation for the victims of motor vehicle accidents throughout the state of Georgia. When choosing a car accident lawyer to represent you, make sure they have a track record of success.
Choose an Experienced Auto Accident Lawyer
Our firm handles all types of auto accident cases, including those involving head on-collisions, side impact collisions, rear-end collisions, hit and run accidents, failure to yield accidents, drunk driving accidents, uninsured and underinsured motorist claims.
If you or someone you know has suffered serious injuries or death in a car accident, contact an Atlanta auto accident lawyer at Ponton Law today at 404-418-8507 or contact us online to schedule an appointment. We offer a free case evaluation and we do not bill you for attorney’s fees and costs unless we obtain a recovery.