When you are hit by a driver who has no insurance, or not enough to cover your injuries, your own uninsured/underinsured motorist (UM/UIM) coverage can step in to pay your damages. But here is the catch: now you are making a claim against your own insurance company, and it may fight you just as hard as the other side would. At The Delashmit Firm, we help injured drivers in Cartersville and North Georgia get the UM/UIM benefits they paid for. Call (770) 341-0559 for a free consultation.

What is uninsured/underinsured motorist (UM/UIM) coverage?

UM/UIM is optional coverage on your own auto policy that protects you when the at-fault driver has no insurance (uninsured) or too little insurance to cover your losses (underinsured). In Georgia, insurers must offer it, and it can be the difference between being fully compensated and being left with bills after a serious crash.

When does UM/UIM coverage apply?

  • The at-fault driver had no insurance at all
  • The at-fault driver fled the scene (hit-and-run)
  • The at-fault driver had insurance, but not enough to cover your injuries

Why your own insurer may fight your UM/UIM claim

Once you file a UM/UIM claim, your insurer has a financial incentive to minimize what it pays, even though you are its customer. It may dispute the value of your injuries or who was at fault. Hunter Delashmit’s insurance-defense background means he knows these tactics from the inside and how to counter them so you get the coverage you paid for.

Frequently asked questions

How do I know if I have UM/UIM coverage?

Check the declarations page of your auto policy, or send it to us and we will review it for free. In Georgia, insurers must offer UM/UIM, so many drivers have it without realizing.

Will using my UM/UIM coverage raise my rates?

Generally, making a claim for a crash that was not your fault should not raise your rates, though you should review your policy. Do not let fear of a rate increase stop you from recovering what you are owed.

What if the other driver had insurance but it was not enough?

That is exactly what underinsured motorist (UIM) coverage is for. It can help cover the gap between the at-fault driver’s limits and your actual damages.

Contact a Cartersville UM/UIM lawyer

If you were hurt by an uninsured or underinsured driver in Georgia, do not let your own insurer shortchange you. Call The Delashmit Firm at (770) 341-0559 or contact us online for a free consultation. No fee unless we recover.