Joseph T. Rhodes Law Firm
Augusta Uninsured Motorist Lawyer – Recovering After Uninsured Accidents
Helping Accident Victims in Augusta and Across Georgia When the Other Driver Has No Insurance
It’s an unsettling reality: many Georgia drivers have little or no insurance, even though the law requires it. If you’ve been hurt in a crash and find out the at-fault driver is uninsured or underinsured, you may wonder how you’ll cover medical bills, lost wages, and car repairs. At Joseph T. Rhodes Law Firm, we help clients tap into their uninsured motorist (UM) coverage and fight for a full and fair recovery—without letting insurance companies take advantage.
Common Scenarios Requiring Uninsured Motorist Claims in Georgia
Uninsured motorist claims can arise in a variety of situations. Here are some of the most frequent examples:
Hit & Run Accidents
When a driver flees the scene and cannot be found, your UM policy may be the only way to recover damages.
Underinsured Drivers
Even when the at-fault driver has insurance, it may not be enough to cover the full extent of your losses. UM coverage can fill in the gap.
Collisions with Uninsured Drivers
Some drivers simply ignore Georgia’s insurance requirements, leaving you to rely on your own policy if they cause a crash.
Pedestrian and Bicycle Accidents
If you’re hit while walking or biking and the driver has no or too little insurance, your own UM policy can help pay for injuries.
“Phantom Vehicle” Accidents
Sometimes a reckless driver causes a crash but leaves no trace. UM insurance steps in when there’s no one else to hold accountable.
Georgia Laws on Uninsured and Underinsured Motorist Claims
Georgia law requires insurers to offer UM coverage, but not everyone understands how it works—or how to use it after a crash. You must report the accident to both police and your insurance company promptly to preserve your rights. The state’s two-year statute of limitations applies, but insurance companies may impose shorter deadlines for notice or claims paperwork. You are entitled to compensation for the same damages you could recover from the at-fault driver, but insurers may challenge or delay your claim. We handle the paperwork, negotiations, and appeals so you can focus on healing.
Our Approach to Uninsured Motorist Cases
Our process starts with a detailed policy review and a clear explanation of your options. We gather accident reports, medical records, and other evidence to support your claim. Our team handles communications with your insurer, negotiates aggressively, and steps in if payment is denied or delayed. If needed, we’ll take your case to court to enforce your rights under Georgia’s UM laws.
Contact an Augusta Uninsured Motorist Attorney Today
You shouldn’t have to pay the price for someone else’s lack of insurance. Joseph T. Rhodes Law Firm will answer your questions, handle your claim from start to finish, and push for the recovery you deserve. Contact us for a free, no-pressure consultation and get help moving forward.
Commonly Asked Questions
Uninsured Motorist Claim FAQs
What is uninsured motorist coverage, and do I have it?
UM coverage is insurance you buy to protect yourself if the at-fault driver has no or not enough coverage. Most Georgia drivers carry it, but we’ll review your policy and explain your protections.
Can I make a UM claim after a hit and run?
Yes. Hit and run crashes are one of the most common reasons for UM claims. Report the accident to the police and your insurer right away to protect your rights.
How much can I recover through my UM policy?
Your recovery is usually limited by your policy’s coverage limits, but you can claim for medical expenses, lost wages, pain and suffering, and car repairs—just like in any other accident.
What if my insurance company denies my UM claim?
We negotiate directly with your insurer and push back against unfair denials or lowball offers. If necessary, we’ll take your case to court.
How much does it cost to hire an uninsured motorist lawyer?
There are no upfront fees. You only pay if we recover compensation for you.