Milam Law Firm

Car accidents can happen when you least expect them, and the aftermath can be overwhelming. Not only do you have to deal with the physical and emotional trauma, but you also have to navigate the complexities of insurance claims and legal matters. That’s where underinsured motorist coverage comes into play, offering you a safety net when the at-fault driver doesn’t have (or doesn’t have enough) auto insurance to compensate you for your injuries. If you’re a car accident victim Philip Milam is ready to help you settle your case and get your life back on track.

What is Underinsured Motorist Coverage?

Uninsured or underinsured motorist coverage is a crucial component of your auto insurance policy. It’s your safeguard against the unexpected and the inadequacies of other drivers’ insurance coverage. But what exactly is it and why is it particularly important for motorists in Georgia?


Uninsured and underinsured motorist coverage is used when the at-fault driver doesn’t have enough (or any) liability coverage. In simple terms, it steps in to save you from having to pay out of pocket for a car accident you didn’t cause. In Georgia, where the traffic can be unpredictable, and accidents are a common occurrence, having this coverage is more than just a good idea; it’s a financial lifeline.

Why You Need Underinsured Motorist Coverage

Whether you’re driving through the Atlanta metro area or any other part of the state, the risk of encountering underinsured or uninsured drivers is significant. That’s why protecting yourself for a few extra dollars with underinsured motorist coverage is a smart move.

Imagine you’re driving through Buford and its surrounding areas when another driver, who is clearly at fault, collides with your vehicle. You might think that their insurance will cover all of your damages including your medical expenses, lost wages and pain and suffering. However, things can quickly take a turn for the worse if that driver doesn’t have sufficient insurance coverage. You could find yourself in a situation where their insurance is exhausted, and you’re left with mounting bills and no recourse.


This is where underinsured motorist coverage comes to your rescue. It ensures that even if the at-fault driver’s insurance falls short, you won’t be left to shoulder the financial burden alone. Instead of stressing about how to cover your repair costs and medical bills, you can focus on your recovery, knowing that you have a safety net in place.

How Much Can I Get for an Underinsured Motorist Claim in Georgia?

The amount you can receive from an underinsured motorist claim in Georgia varies depending on your policy limits and the severity of your injuries or damages. It’s essential to choose coverage limits that are appropriate for your needs. While adding this coverage might increase your premium slightly, the peace of mind it provides is well worth the investment.


In the event of an accident with an underinsured driver, your underinsured motorist coverage will kick in once the at-fault driver’s insurance is exhausted. This means you can potentially receive compensation for medical expenses, lost wages, and pain and suffering up to your policy’s limit.


It’s crucial to consult with an auto accident attorney, who can help you navigate the claims process and ensure you receive the compensation you deserve. At Milam Law Firm we will evaluate your case and work to maximize your underinsured motorist claim to cover your financial losses adequately.

Personal Injury Assistance is a phone call away

Underinsured motorist coverage is a valuable addition to your auto insurance policy, especially if you’re a car accident victim in Buford or anywhere in Georgia. It provides essential protection in situations where the at-fault driver lacks sufficient insurance coverage.


If you’re dealing with the aftermath of an accident that wasn’t your fault, call Philip Milam today to start building your case.