When Your Own Insurance Company Turns Against You
We tell people involved in Atlanta car accidents that as attorneys, we feel the most important insurance coverage you can get is uninsured/underinsured motorist coverage (UM) through your own car insurance company. This is the coverage that kicks in to protect you when you are injured in a crash caused by someone who doesn’t carry liability insurance at all or they simply don’t have enough insurance coverage to pay for the harms they have caused. In Georgia, many drivers carry the minimum limits of liability insurance mandated by law- $25,000. If you are involved in a crash and suffer any kind of significant injury, that amount of money will likely not even cover the medical bills you incur for your medical treatment. Because the drivers who carry the minimum limits of insurance are usually the ones who cause most of the car wrecks in our state (there’s a reason why they can’t get better insurance), UM coverage is a must.
But what happens when your own car insurance company doesn’t treat you fairly and refuses to compensate you for the damages you’ve suffered? Unfortunately, many injured victims in Georgia learn the hard way that their insurance company is happy to accept their premiums for UM coverage over many years, but when the time comes to pay out on legitimate claims, they are in for a serious fight. For instance, in one of our recent cases, the liability carrier for the at-fault driver was quick to pay our client the limits of their policy, but when it came time to pursue the money available under our client’s UM policy, her insurance company refused to negotiate after presenting her with a low-ball offer, forced us to file a law suit to protect her rights, and then failed to have an attorney present for important legal proceedings.