The Driver Who Hit You Has No Insurance. Your Insurance Company Does — and They're Hoping You Don't Know That.
Georgia requires uninsured/underinsured motorist coverage unless you specifically rejected it in writing. Your own insurer may owe you hundreds of thousands of dollars. They know. They hope you don't. We make them pay.
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The driver who hit you has nothing — and you think you're stuck.
Roughly 12% of Georgia drivers are uninsured — and many more carry only state minimums. You're injured, the bills are piling up, and the at-fault driver has no way to pay.
You feel cheated. You did everything right. You've paid premiums for years, and now your own insurer is slow-walking your claim, lowballing, or denying coverage outright.
You pay premiums precisely for this scenario. When the moment comes to use your UM/UIM coverage, your insurance company should honor its obligation — not treat you like an adversary.
Your own insurance company — the one you've paid for years.
This is the case where the villain isn't a stranger. It's the carrier whose logo is on your card. They underwrote the policy expecting you'd never use it — and they fight to keep it that way.
Denied UM/UIM Claims
Your insurer argues you didn't properly elect coverage — or that the at-fault driver technically had 'some' insurance — to escape paying the policy you've funded for years.
Lowball Offers
Your UM/UIM claim is treated as a nuisance to settle cheaply. The opening offer is rarely a fraction of what your injuries are actually worth.
Stall Tactics
Months of delay, missing letters, repeated requests for the same documents — designed to grind you down until you accept less out of financial desperation.
Offset Games & Missed Stacking
Insurers reduce your payout with offsets that don't apply, and quietly skip stacking opportunities across multiple vehicles that could double or triple your limit.
Gunn Law Group — we know exactly how to force insurers to honor their policies.
We know how betrayed you feel when the insurer you've paid faithfully suddenly treats you like an opponent. It's personal, and it's wrong. We've been through this with hundreds of clients and we know what works.
- Deep expertise in Georgia UM/UIM law (O.C.G.A. § 33-7-11).
- We test whether any 'rejection' of UM/UIM coverage is actually valid.
- We identify stacking opportunities across multiple vehicles and policies.
- We pursue bad faith claims under O.C.G.A. § 33-4-6 when insurers stall.
Three steps to collect what your own insurer owes you.
Free Policy Review
Call 888-BIG-GUNN. We review your auto policy, verify UM/UIM limits, and assess whether any 'rejection' actually meets Georgia's strict legal requirements.
Build the UM/UIM Claim
We build the same comprehensive claim we'd file against any at-fault driver: medical, lost wages, pain and suffering — fully documented for your own insurer.
Force the Insurer to Pay — Or Sue
We demand full UM/UIM benefits. If your insurer refuses to pay fairly, we pursue bad faith under O.C.G.A. § 33-4-6 — penalties plus attorney fees on top of your claim.
The statutes that put your insurer on the hook.
Mandatory UM/UIM Offer — O.C.G.A. § 33-7-11
Every Georgia auto insurer must offer UM/UIM coverage equal to your bodily injury limits. You can reject it — but only through a signed, written rejection that meets strict requirements. Defective rejections give you full coverage by operation of law.
Stacking Coverage
Georgia allows UM/UIM stacking in certain circumstances. If you have multiple vehicles on your policy, your limits may multiply. We investigate every stacking opportunity.
'Add-On' vs. 'Reduced' Coverage
Georgia defaults to add-on UM/UIM, meaning your limits sit on top of whatever the at-fault driver's policy pays. Reduced (offset) coverage must be specifically elected — insurers often act otherwise.
Bad Faith — O.C.G.A. § 33-4-6
If your insurer unreasonably denies or delays your valid UM/UIM claim, Georgia law allows recovery of penalties up to 50% of the claim amount, plus attorney fees.
What happens if you go it alone.
- Without an attorney, your own insurer treats your UM/UIM claim as a cost to minimize.
- Defective UM/UIM rejections go unchallenged — coverage worth hundreds of thousands sits unused.
- Stacking opportunities across multiple vehicles are never identified.
- Bad faith conduct by your insurer goes unpunished — no penalties, no attorney fees.
- Georgia's 2-year statute of limitations applies to UM/UIM claims (O.C.G.A. § 9-3-33).
What we fight for.
- Your UM/UIM coverage pays what it was designed to pay — full compensation for your injuries.
- Stacked coverage discovered and applied — potentially doubling or tripling your recovery.
- Your insurance company held to its contractual obligations, on your terms.
- Bad faith penalties applied if they tried to cheat you out of what you paid for.
- You're made whole even though the at-fault driver had nothing to take.
Hit by an uninsured driver? Your own insurance company owes you money. Let's collect it.
Call 888-BIG-GUNN. Free consultation. No fee unless we win.
Georgia UM/UIM Questions
You paid for this coverage. Let's make your insurer honor it.
Free case evaluation· No fees unless we win· Statewide Georgia representation
Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Every case is different and past results do not guarantee future outcomes. Insurance coverage determinations depend on your specific policy language and the circumstances of your claim. Gunn Law Group handles cases on a contingency fee basis — you pay no attorney fees unless we recover compensation for you. Contact us for a free consultation to discuss your specific situation. This page is a communication from Gunn Law Group, 950 E. Paces Ferry Rd NE, Suite 1550, Atlanta, GA 30326. Responsible attorney: Harrell Gunn.