Atlanta Uninsured Motorist Lawyer
The Driver Who Hit You Has No Insurance. Your Insurance Company Does — and They’re Hoping You Don’t Know That. Gunn Law Group represents injured people in Atlanta from our Atlanta office in Buckhead. Consultations are free, and you pay no attorney fees unless we recover for you.
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The Problem
The driver who hit you has nothing — and you think you’re stuck.
What Happened
Many drivers on the Downtown Connector (I-75/85) and I-285 in Atlanta carry only Georgia’s minimum coverage or none at all. When that happens, your own uninsured/underinsured motorist coverage can pay the difference.
How It Feels
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.
What’s Fair
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.
Atlanta Uninsured Motorist Cases
What to know about uninsured motorist claims in Atlanta.
The Downtown Connector (I-75/85), I-285, GA-400, Peachtree Street, Northside Drive. These are the corridors where we see the most serious crash injuries in Atlanta.
Grady Memorial Hospital, Piedmont Atlanta Hospital, Emory University Hospital Midtown. We gather records from every provider who treated you and track the cost of future care.
Crash reports come from Atlanta Police or Georgia State Patrol. We request them, along with 911 records and nearby business or traffic video, before it is overwritten.
What You’re Up Against
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.
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.
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.
Months of delay, missing letters, repeated requests for the same documents — designed to grind you down until you accept less out of financial desperation.
Meet Your Legal Team
Gunn Law Group — we know exactly how to force insurers to honor their policies.
Why We Do This
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.
Our Track Record
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.
The Plan
Three steps to collect what your own insurer owes you.
Step 01
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.
Step 02
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. In Atlanta, that includes the report from Atlanta Police or Georgia State Patrol.
Georgia UM/UIM Law
The statutes that put your insurer on the hook.
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.
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.
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.
What’s at Stake
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).
When We Win
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.
Our Offices
Talk to an Atlanta Uninsured Motorist Lawyer
Atlanta Office (Buckhead)
950 E. Paces Ferry Rd NE, Suite 1550
Atlanta, GA 30326
Serves Atlanta, South Fulton, Decatur, Marietta, Kennesaw, Smyrna, Carrollton and Rome.
Norcross Office (Gwinnett)
5955 Jimmy Carter Blvd, Suite 149
Norcross, GA 30093
Serves Norcross and all of Gwinnett County, plus Johns Creek and Gainesville.
We represent injured people across Georgia, with free consultations by phone, by video or in person. Call 888-BIG-GUNN.
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.
FAQ
Atlanta Uninsured Motorist Questions
Your own UM coverage can pay. We handle the claim against your insurer.
Often, yes. Georgia defaults to add-on UIM, meaning your underinsured motorist coverage sits on top of the at-fault driver’s policy. If your damages exceed their limits, your UIM picks up the difference up to your own coverage amount.
Georgia law prohibits insurers from raising your rates or canceling your policy solely because you made a UM/UIM claim for a not-at-fault accident. If your insurer punishes you for using coverage you paid for, that itself is grounds for a complaint.
Stacking lets you combine UM/UIM limits across multiple vehicles or policies. For example, two vehicles on the same policy may stack to double your limits. The rules depend on your specific policy language and Georgia case law — we review every policy for stacking opportunities.
Generally 2 years from the date of the accident under O.C.G.A. § 9-3-33, but you must also comply with the notice requirements in your policy — which can be much shorter. Don’t wait to put your insurer on notice.
We pursue a bad faith claim under O.C.G.A. § 33-4-6, which can add penalties of up to 50% of the claim amount plus attorney fees — on top of the original benefits owed. Insurers calculate that risk when we get involved.
