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 Problem
The driver who hit you has nothing — and you think you’re stuck.
External Problem
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.
Internal Problem
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.
Philosophical Problem
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.
The Villain
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 Guide
Gunn Law Group — we know exactly how to force insurers to honor their policies.
Empathy
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.
Authority
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.
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.
Failure Stakes
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).
Success Vision
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.
FAQ
Georgia UM/UIM Questions
No. Under O.C.G.A. § 33-7-11, every Georgia auto policy includes UM/UIM coverage equal to your bodily injury limits unless you signed a valid written rejection meeting strict requirements. Many ‘rejections’ are defective — which means you may have full UM/UIM coverage you don’t know about.
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.
