Last Updated September 19, 2026
Short answer
Uninsured motorist coverage may apply when the at-fault driver has no liability insurance, or in a hit-and-run that the policy covers. Underinsured coverage may apply when that driver’s limits are too low for the injuries. You generally have to have bought the coverage. Notice requirements in the policy can be strict.
A crash with an uninsured driver is still a crash. Your own policy is often the remaining source of liability-type coverage. Hit-and-run facts, phantom vehicles, and stacked policies are contract questions. See car accidents and dealing with insurance. Alabama and Georgia both regulate UM, but the details differ. Read the state hubs.
Why you should not settle the other claim blindly
Some policies require consent before you release the at-fault driver if you still want UIM. Signing a full release too early can create a coverage fight. Have counsel read the policy.
How Brock & Stout can help
We read the policies, give required notices, and pursue UM or UIM when it applies. Call or request a free consultation. We cannot promise that coverage exists or that it will pay a particular amount.
Frequently asked questions
Personal injury claims are subject to filing deadlines, and the deadline that applies can depend on the facts of the case. Different notice requirements may apply depending on who is involved. Do not use this website to calculate a filing deadline. Speak with an attorney promptly.
Related resources
- Alabama Personal Injury Law — Alabama Personal Injury Law
Alabama personal injury claims are decided under Alabama law. In many negligence cases, if the injured person is found even slightly at fault, recovery can be barred. That is a different system from Georgia. This page explains concepts. It does not tell you the date a complaint must be filed.
- Car Accident Injury Claims — Car Accident Injury Claims
If another driver’s negligence caused a crash, you may have a claim against that driver and available insurance. Your own policy can also matter, including uninsured motorist coverage. This page does not calculate a filing deadline or a settlement value.
- Dealing With Insurance After an Injury — Dealing With Insurance After an Injury
You usually must cooperate with your own insurer. The other company’s adjuster does not work for you. Recorded statements, medical authorizations, and early settlement offers can affect the claim. Get advice before you guess about fault or future medical care.
- Georgia Personal Injury Law — Georgia Personal Injury Law
Georgia personal injury claims generally reduce recovery by the plaintiff’s percentage of fault. If that percentage is high enough under O.C.G.A. § 51-12-33, recovery can be barred. That is not Alabama’s contributory-negligence rule. This page does not calculate a filing date.
Injured and not sure what to do next?
Call now or request a free case evaluation. We can review what happened and explain options. We cannot promise a particular result.
This page is general educational information about personal injury claims as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee a result. Facts, insurance coverage, and state law vary. Do not use this website to calculate a filing deadline. Personal Injury Knowledge Center
