Hire an Accident Lawyer in Carrollton, Georgia

Insurance, or the lack of it, can be key in an auto accident. Here are a few tips about what happens if there is no liability insurance. First, use your uninsured motorist (UIM) coverage if the at-fault driver is uninsured. In most states, the driver faces stiff penalties for driving with no coverage. Meanwhile, you must file a UIM claim. The claim is filed with your insurance company; they will cover the damages. This is why UIM coverage should be mandatory. Rather, some jurisdictions require it and others do not.

An accident lawyer in Carrollton, GA, will handle your case and negotiate with your insurance company. Additionally, UIM coverage also acts as under-insured coverage. This is important if your damages are greater than the at-fault driver’s coverage. For instance, your medical bills total $30,000, and the other driver’s coverage is only $25,000. The under-insured coverage pays for the difference. Contact Daniel M. Barnes and Associates to learn more.

It can take a while to find out the driver does not have insurance. A common scenario plays out when the lawyer calls the driver’s insurance company. Frequently, they give the police an expired insurance card to avoid a citation. In many areas, the lawyer has 30 days to find out about this and make a UIM claim. Furthermore, there is no guarantee that your insurance company will play fair; they will scrutinize your claim. The accident lawyer in Carrollton may have to play hardball with the insurer.

The lawyer sends a demand letter to the insurance company and the two sides attempt to reach a settlement. It is not unheard of for insurers to negotiate in bad faith. Consumers pay a hefty premium for insurance. Therefore, the company should settle claims in good faith. Do not accuse the company just because they fail to offer what you want. However, there may be a problem if they offer less than enough to cover your damages. If there is no settlement, the lawyer may sue your insurer. The important thing is to listen to the lawyer as he or she makes recommendations with your best interests in mind.

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