Hit by an Uninsured or Underinsured Driver in Georgia? Your Step-by-Step Guide 

For Fast Answers 

• Check your policy for UM/UIM coverage. 

• Report the crash to your insurer without admitting fault. 

• Document injuries & expenses. 

• KP Law handles UM/UIM claims and protects you from lowball offers. 

What UM/UIM Coverage Actually Does 

• UM (Uninsured Motorist): Kicks in when the at-fault driver has no insurance. 

• UIM (Underinsured Motorist): Helps when the at-fault driver’s limits are too low to cover your damages. 

• Stacking: In some scenarios, you may stack coverage for more protection (depends on policy type and selections). 

Pro Tip: Don’t assume your insurer is “on your side” just because it’s your policy. Adjusters still aim to minimize payouts.

This same uninsured motorist coverage often protects pedestrians hit by an uninsured driver while walking, not just people inside a vehicle at the time of the crash

Before you assume your policy limit is the amount actually available to you, it is worth understanding the difference between add-on versus reduced-by uninsured motorist coverage, because the wrong form can cancel out most of the benefit you paid for.

Step-by-Step After an Uninsured/Underinsured Crash 

1. 1. Call 911 & Get Care: Medical records drive claim value. 
   2. Gather Evidence: Photos, witness info, police report number. 
   3. Request the Other Driver’s Insurance Info: If none or minimal, note it. 
   4. Notify Your Insurer Promptly: Many policies require timely notice for UM/UIM. 
   5. Call KP Law: We evaluate fault, coverage, stacking, and demand strategy. 
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How We Maximize Your UM/UIM Claim 

• Policy Audit: We review every line of your policy for hidden benefits. 

• Coverage Strategy: Assess stacking, med-pay, and other applicable coverages. 

• Medical Damage Modeling: Future care, lost earnings, and non-economic damages. 

• Negotiation & Litigation: We push back on low offers and file suit when necessary. 

Mistakes to Avoid 

• Giving Recorded Statements without counsel. 

• Posting on Social Media about injuries or activities. 

• Delaying Treatment, which insurers use against you. 

• Assuming Policy Limits End Your Options. Ask us to explore every avenue. 

FAQ 

Q: What if I don’t know the other driver’s identity (hit-and-run)?
A: UM may still apply. Report quickly and contact KP Law to preserve your claim. 

Q: Will my premiums go up for filing UM/UIM?
A: Not necessarily; it varies. We’ll discuss your situation and options. 

Q: Do I need a lawyer for UM/UIM?
A: It’s highly recommended. Policy language is complex and adjusters minimize value. 

If an uninsured/underinsured driver hit you in Atlanta or Fulton County, we’ll help you recover what’s owed.
📞 404-551-4727 | Free UM/UIM Case Review (KP Law Group)