Underinsured & Uninsured Motorist Injury Lawyer

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage protects you if you’re hit by a driver who has no insurance or flees the scene. In both Georgia and South Carolina, this coverage is mandatory. It allows you to recover compensation for medical bills, lost wages, pain and suffering, and vehicle damage—even if the at-fault driver was uninsured.

What Is Underinsured Motorist Coverage?

Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits are too low to fully compensate you. In Georgia, insurers must offer underinsured coverage matching your liability limits, though you can opt-out in writing. In South Carolina, underinsured coverage is optional to purchase. Either way, having this protection ensures you aren’t shortchanged after a serious accident.

When Underinsured and Uninsured Motorist Coverage Matters

Your uninsured and underinsured motorist protection becomes vital when:

• You’re involved in a hit-and-run or the at-fault driver lacks enough insurance.

• The driver’s coverage limits are lower than your medical expenses or lost income.

• You suffer severe injuries that exceed the at-fault driver’s insurance limits.

How Underinsured and Uninsured Motorist Claims Work

1. File a claim with the at-fault driver’s insurer first.

2. If that fails or is insufficient, your own coverage kicks in.

3. Insurance policies may allow stacking—meaning you can combine coverage limits on multiple vehicles, especially in South Carolina—to get full compensation.

Coverage Limits and Premiums

Typical coverage amounts range from $25,000 to $100,000 per person. In South Carolina, uninsured motorist minimums are $25,000 per person, $50,000 per accident, and $25,000 for property damage. Adding this protection typically costs just a few dollars extra per month, making it essential for your financial safety.

Why You Need an Underinsured and Uninsured Motorist Injury Lawyer

• We identify all coverage sources—your policy, health insurance, and any available stackable policies.

• We interpret complex insurance contracts and state laws around coverage limits.

• We negotiate assertively to ensure you receive every dollar you’re owed.

• If insurers refuse to pay what’s fair, we’re ready to fight in court.

What Compensation Can You Recover?

With the right legal strategy, you may recover:

• All medical expenses, including long-term care

• Lost wages and future earning capacity

• Physical and emotional pain and suffering

• Vehicle and property damage

• Possible punitive damages in cases of reckless fault

Frequently Asked Questions

What if the at-fault driver has no insurance or runs away?

Your uninsured motorist coverage applies, covering your injuries and damages up to your limits.

Why is underinsured coverage important if the other driver has insurance?

When the other driver’s insurance falls short, your underinsured coverage bridges the gap—so you don’t absorb costs.

Is uninsured and underinsured coverage required in Georgia and South Carolina?

Georgia requires insurers to offer both; uninsured coverage is mandatory, and underinsured can be waived in writing. South Carolina mandates uninsured coverage and offers an option for underinsured coverage.

How long do I have to file a claim?

State deadlines typically align with injury statutes—notify your insurer promptly and file any lawsuit within two years of the accident date.

Will my insurance rates go up if I file a claim on my own coverage?

Adding this coverage costs little upfront, and filing a claim doesn’t always raise rates—especially if another driver was at fault.

Why Choose Jamie Casino Injury Attorneys?

Our experienced team combines deep knowledge of Georgia and South Carolina law with committed, personalized advocacy. We’ve successfully recovered full compensation for clients injured by uninsured and underinsured drivers—and we’re ready to do the same for you.

Schedule a consultation with our team at Jamie Casino Injury Attorneys today if you have been involved in an accident caused by an underinsured or uninsured driver.