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. 

Step-by-Step After an Uninsured/Underinsured Crash 

1. Call 911 & Get Care: Medical records drive claim value. 

1. Gather Evidence: Photos, witness info, police report number. 

1. Request the Other Driver’s Insurance Info: If none or minimal, note it. 

1. Notify Your Insurer Promptly: Many policies require timely notice for UM/UIM. 

1. Call KP Law: We evaluate fault, coverage, stacking, and demand strategy. 

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)