Why Uninsured and Underinsured Motorist Coverage Is Essential in Georgia — And How Kirkbride Dayton Can Help After an Accident
What Is Uninsured and Underinsured Motorist Coverage (UM/UIM) — and Why Do You Need It in Georgia?
You do everything right. You drive safely. You carry car insurance. But what happens when the other driver doesn’t? In Georgia, thousands of drivers are uninsured or underinsured—meaning they either have no insurance or not enough coverage to pay for the damages they cause in an accident.
That’s where Uninsured/Underinsured Motorist Coverage (UM/UIM) comes in. This vital protection could be the difference between recovering what you're legally entitled to and being left with crippling medical bills and lost income—even when the accident wasn't your fault.
At Kirkbride Dayton Personal Injury Attorneys, we’ve seen the devastating consequences of accidents involving uninsured drivers. As a veteran-owned law firm based in Georgia, we fight for injury victims who deserve justice—and we strongly encourage every driver to understand and carry UM/UIM coverage.
What Is UM/UIM Coverage?
UM/UIM coverage is add-on protection to your own auto insurance policy. It kicks in when:
✅ The at-fault driver has no insurance (Uninsured Motorist)
✅ The at-fault driver has too little insurance to cover your injuries and damages (Underinsured Motorist)
✅ You’re the victim of a hit-and-run accident
✅ You’re hit as a pedestrian or bicyclist and the driver is uninsured
UM/UIM coverage helps pay for:
Medical expenses
Lost wages
Pain and suffering
Future medical care
Funeral expenses (in wrongful death cases)
Why Is UM/UIM Coverage So Important in Georgia?
Georgia law requires liability insurance, but many drivers either don’t comply or carry only the minimum limits, which often isn’t enough in serious accidents.
The state minimum coverage is just:
$25,000 per person
$50,000 per accident
$25,000 for property damage
That doesn’t go far when hospital bills, surgeries, and rehab add up to six figures.
Without UM/UIM coverage, you could be stuck paying out of pocket—even when you weren’t at fault.
How Much UM/UIM Should You Buy?
We recommend purchasing as much UM/UIM coverage as you can afford. Many insurance companies offer it in limits equal to your liability coverage. You can also choose between:
“Add-on” UM/UIM coverage (adds on top of the at-fault driver’s policy)
“Reduced-by” coverage (subtracts the at-fault driver’s limits from your total UM/UIM)
Add-on is better. It gives you greater protection.
After a Crash: How Kirkbride Dayton Can Help
Even when you have UM/UIM coverage, insurance companies don’t always play fair. They may delay your claim, undervalue your damages, or deny coverage outright.
That’s where Kirkbride Dayton Personal Injury Attorneys steps in.
📞 Call Us at (404) 800-8080
💻 www.KirkbrideDayton.com
We help Georgia accident victims by:
Investigating the accident and identifying all sources of insurance coverage
Handling UM/UIM claims negotiations and documentation
Fighting back when insurers act in bad faith or delay payment
Recovering maximum compensation for your injuries
And remember, you pay nothing unless we win.
Veteran-Owned. Georgia-Based. Results-Driven.
At Kirkbride Dayton, we bring the discipline, dedication, and fighting spirit of our military backgrounds into every case. We don’t back down from big insurance companies. We stand up for Georgia’s injured—one case at a time.
Protect Yourself Now—Before It’s Too Late
If you don’t have UM/UIM coverage, call your insurance agent today and add it to your policy. It’s a small cost for peace of mind.
If you’ve already been in an accident involving an uninsured or underinsured driver, contact us today to make sure you recover what the law entitles you to.
Kirkbride Dayton Personal Injury Attorneys
📞 (404) 800-8080
💻 www.KirkbrideDayton.com
Fighting for Georgia’s Injured — One Case at a Time
Veteran-Owned. Client-Focused. No Fee Unless We Win.