In Georgia auto insurance companies can put short time limits for notifying them of potential UM personal injury Claims. UM claims can be either uninsured motorist claims (claims against uninsured negligent drivers) or under-insured motorist claims (claims against under insured negligent drivers. The negligent driver is under-insured when their auto liability policy limits is below the value of the personal injury claim. The smart approach is to hire a personal injury lawyer as soon as possible so that your personal injury claim is handled correctly.
If a personal injury claimant fails to notify the UM insurance carrier within the time period required in the auto policy, then the UM coverage is denied. This can be a very expensive mistake if a personal injury claimant fails to properly and timely notify all of the UM carriers that cover a personal injury claim. For example, many insurance company’s policies in Georgia require notification of UM claims within one year of the accident date. This deadline can vary and is controlled by the terms of each auto insurance policy. There is also a Statute of Limitations of 2 years from the date of the accident for most personal injury claims in Georgia. The best way to protect your rights and to recover the full value of your personal injury claim is to hire a personal injury attorney who knows how to properly handle personal injury claims.
UM personal injury claims can arise from any of the following accidents:
Since it can be complicated to identify all of the insurance policies that cover a personal injury claim, Attorney Richard Griffin strongly advises that personal injury claimants hire an experienced personal injury lawyer as soon as possible. It is also very, very important to let your personal injury attorney know about all of the UM auto policies in your household since there can be UM coverage based on all of the auto insurance policies for all of your relatives who live at your residence. Without proper notice as required by the UM auto policy, you will loose your right to recover the UM (uninsured or under-insured) motorist coverage. This could be a costly mistake.
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