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Uninsured/Underinsured Motorists

Savannah Underinsured and Uninsured Motorist Attorneys Seek Full Remedies for Victims

Pursuing recovery when the at-fault driver lacks sufficient coverage 

Georgia law requires drivers to carry minimum levels of liability insurance to guard against the financial risks of an accident. Unfortunately, according to the Insurance Information Institute, Georgia recently ranked seventh among the states in numbers of uninsured drivers, with a staggering 18.1 percent. This means that if you’re in a car accident, there is an almost one-in-five chance that the other driver is uninsured. Even insured drivers often carry low levels of coverage that are insufficient to fully pay damages in a serious accident. In such cases, the process for you to be reimbursed is more complex. Fortunately, the car accident attorneys at Owens & Mulherin in Savannah are ready to help. Drawing on decades of experience, we implement effective legal strategies to help you obtain a satisfactory recovery.

Arming yourself against uninsured and underinsured drivers 

When it comes to uninsured and underinsured drivers, your first recourse is your own auto insurance policy. Georgia law requires insurance companies selling auto policies to offer uninsured motorist (UM) and underinsured motorist (UIM) coverage. Insurers must offer this coverage at the legal minimum of liability coverage: $25,000 per person and $50,000 per accident for bodily injuries, and $25,000 for property damage. Policyholders can purchase additional coverage options or endorsements that may enhance UM/UIM protection, such as supplementary uninsured motorist (SUM) coverage or umbrella policies. This added coverage provides the peace of mind and financial security you need, knowing there are so many uninsured and underinsured drivers on the road. UM/UIM coverage also protects you in cases where you cannot identify the at-fault driver, such as a hit-and-run accident.

If you have UM/UIM coverage and the driver at fault for your car accident has too little liability coverage or none, you can file a claim with your own company. UM/UIM coverage can compensate you for medical expenses, lost wages, pain and suffering and property damage. 

Other strategies for recovering damages for uninsured and underinsured driver accidents

If you do not have UM/UIM coverage, your case becomes more complicated. You can sue the at-fault driver and get a judgment for your damages. But how do you collect the judgment when there is no insurance? If the driver has assets, such as a home or business, you can attach that property to satisfy your claim. This requires you to go back to court for an enforcement action. Unfortunately, most people who do not carry insurance are in that position because they cannot afford the premiums. They are unlikely to have significant assets to attach. But on rare occasions, the driver might have lost insurance because of a poor driving record and may have assets to cover the claim.

In some cases, it might be possible to bring suit against another defendant. For example, if the accident took place on a badly maintained road and the road conditions contributed to the accident, you could file a claim against the government entity in charge of the road. 

An experienced auto accident attorney can advise you of your recovery options and take appropriate action to pursue your available remedies.

Contact our car accident lawyers in Savannah for UM/UIM claims

Owens & Mulherin in Savannah provides determined personal injury representation for victims of uninsured motorist accidents. Call us today at 912-212-2100 or contact us online to schedule a free consultation.

Reviews From Our Clients
  • "I was pregnant and injured in an automobile accident. Mr. Owens, personally, came to the hospital. He told me he would handle everything, I just needed to get healthy for the baby and myself. Mr. Owens did everything he said he would. I highly recommend Owens and Mulherin. Everyone in their office is friendly and informative. You're not just another client with them, they genuinely care." - Lindsay Chadwick

  • "Highly recommend working with this group!! They are very friendly, understanding, caring people and very easy to talk to. They Gave us plenty of time to talk with them. Did not make us feel rushed and explained everything thoroughly. Made the experience the best possible and we had a positive outcome during a tragic time. Thank you to the attorneys and entire staff." - Cindy Shuman

  • "I found Mr. Owens to be very professional and extremely sympathetic towards my needs as a result of my injuries. His experience helped guide me through my case and we ultimately won in the end...settled out of court! Thanks for all your help!" - Diane Calahan

  • "Following an automobile accident I sought representation from Wil Owens. Throughout the process he and his staff were always very kind, informative, and diligent in protecting my rights and interests. I knew my case was minor comparatively speaking, however, they never minimized the importance of my situation or claim. I would highly recommend this local law firm!!Sincerely,Christi (Fry) Vinyard" - Christi Fry

  • "This was my first time having to get an attorney and my experience was great. They make sure you fully understand everything that's going on and make sure the case is settled in your favor. I highly recommend this attorney office if you need one." - Dee James

  • "Absolutely 100% the best law firm around. I was completely blown away by the staff with all their generosity and helpfulness every step of the way. Wilbur Owens is hands down the best attorney I have ever met. He was caring, professional, and helpful in all aspects of my case, from the very begining with all my treatments to the very end with my settlement. He was highly recommend to me and I have heard nothing but great things about him and his firm. They truly are the best around and if ths need were to arise again in the future I will gladly come to the law firm of Owens and Mulherin. Wonderful people and they gave me my life back as well as piece of mind, and for that I am and always will be truly thankful." - Courtney Graves

  • "I had a good experience with Mr. Owens and Ms. Teresa. They were very professional and was on point. It was a long process but it was worth the wait. I would recommend anyone to this lawfirm." - Ashley Robertson

  • "My thanks to Mr. Owens and his crew. After getting injured at work , and not knowing what to do I found them thru a local web search. Everyone in the office was great, Will walked me thru my case and explained how it would go. After everything I would highly recommend this law firm. I can't say enough of Mr. Owens and his staff . Thank you for your help!" - Mark Kalla

  • "I worked with Mr. Ownens and his team for my most recent accident involving 2 uninsured motorists, and I am extremely pleased with the way my case was worked, as well as the outcome. I cannot say anything negative about the law firm whatsoever, but I can tell you that being hit by uninsured vehicles is a nightmare." - Nic Schuman

  • "Loved working with me. Mulherin. Didn’t make me feel rushed or pinned against a wall. He gave me the beat and worse case scenario. Went to bat for me when the insurance company thought they could get away with being cheap. Brooke was amazing to work with to. Always answered calls or emails in a timely manner." - Natasha Campbell

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Wilbur D. Owens Attorney Photo
Wilbur D. Owens

Mr. Owens devotes his practice exclusively to representing plaintiffs in personal injury and wrongful death claims. His primary focus is automobile/tractor-trailer accidents, dog bites, slip/trip and falls, medical malpractice, injuries from dangerous products, job injuries and nursing home abuse. Before joining forces with Mr. Mulherin to open Owens & Mulherin in 2001, Mr. Owens worked…

Joseph A. Mulherin Attorney Photo
Joseph A. Mulherin

Mr. Mulherin represents individuals in personal injury cases. His primary practice areas are automobile accidents, tractor-trailer collisions, medical malpractice claims and workplace injuries. Before forming Owens & Mulherin with Mr. Owens in 2001, Mr. Mulherin practiced at Bouhan, Williams & Levy, LLP, from 1984 - 2000, representing both plaintiffs and defendants in personal injury cases.…

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