UM/UIM Insurance Claims

Accidents Involving Uninsured or Underinsured Motorists

At the Delius Law Firm, we work with car accident victims to make sure that they receive the full benefit of their insurance coverage. In many cases, this means accessing the victim's own underinsured or uninsured motorist benefits in situations where the other driver's limits are too low to cover the full range of damages suffered in the accident. If you have any questions about your right to benefits under your own auto insurance policy in the aftermath of a serious car wreck, contact Georgia personal injury attorney Scott Delius in Atlanta for a free consultation.

We find that many of our clients have very little understanding of their rights under their own uninsured and underinsured motorist coverage. Known also as UM/UIM coverage, this car insurance product allows you to turn to your own insurer if the other driver in an accident has no insurance or can't be found, if that driver's liability limits are too low to cover the full extent of your losses.

For example, if you suffered $150,000 in medical and hospital expenses resulting from an accident caused by a driver with only $50,000 in liability insurance, you could not collect more than $50,000 from that driver's insurer. If you had $200,000 in underinsured motorist coverage under your own policy, however, you could collect an additional $100,000 under your UM/UIM benefits.

Presenting insurance claims for uninsured or underinsured motorist benefits can be difficult. Your insurer will refuse to pay unless you settle for the maximum policy limits of the other driver. Your insurer may try to deduct the value of the other driver's settlement from your own coverage, exposing you to the risk of a shortfall.

Why hire Scott?

Atlanta personal injury lawyer Scott Delius knows how to analyze your rights under any car insurance policy, and he takes the time to answer any questions or clear up any confusion about your legal alternatives. Most of all, he's committed to helping you get the maximum benefit out of any insurance coverage that is available to meet your claim. For a free consultation about any car insurance coverage problem, contact the Delius Law Firm.

For more information about our ability to represent your interests in any Atlanta auto accident claim, contact Atlanta auto accident lawyer Scott Delius for a free consultation.