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Uninsured and Underinsured Motorist Accidents

A significant portion of our clientele has unfortunately found themselves entangled in accidents caused by drivers who either lack insurance entirely or carry only the bare minimum automobile liability coverage. This concerning trend appears to be exacerbating, as evidenced by recent studies indicating a surge in uninsured or underinsured motorists. According to a comprehensive analysis conducted by the Insurance Research Council, the economic downturn has led to a substantial number of drivers either canceling their insurance policies altogether or opting for the lowest legally permissible coverage limits. This trend is particularly alarming given that Georgia mandates a minimum liability coverage of $25,000, which may prove insufficient in many accident scenarios.

Uninsured Motorist Negligence

The ramifications of this trend are dire, with experts predicting a further escalation of the problem in the foreseeable future. Unfortunately, individuals who exhibit such irresponsible behavior in maintaining adequate insurance coverage often demonstrate a similar lack of responsibility behind the wheel. Consequently, there is a heightened risk of being involved in an automobile accident with such drivers. In instances where the at-fault driver lacks sufficient insurance coverage and possesses no assets, you may find yourself bearing the brunt of all expenses stemming from the accident, despite being entirely blameless.

To elaborate further, here are some potential consequences of being involved in an accident with an underinsured or uninsured driver:

  • Financial Burden: In the absence of adequate insurance coverage from the at-fault driver, you may be forced to cover your medical expenses, vehicle repairs, and other accident-related costs out of pocket.
  • Legal Complications: Dealing with an underinsured or uninsured driver can lead to protracted legal battles and complexities in seeking compensation for your damages.
  • Long-Term Consequences: The financial repercussions of an accident with an underinsured or uninsured driver can have lasting effects on your financial stability and well-being.
  • Emotional Stress: Coping with the aftermath of an accident, particularly when facing financial strain due to inadequate insurance coverage, can exacerbate emotional stress and trauma.

In light of these risks, it’s crucial to take proactive steps to protect yourself in the event of an accident with an underinsured or uninsured driver. Seeking legal guidance from experienced attorneys can help you navigate the complexities of insurance claims and pursue the compensation you deserve.

Coverage for Uninsured/Underinsured Accidents

Given the increasing prevalence of accidents involving uninsured or underinsured drivers, it’s essential to take proactive measures to safeguard yourself against potential financial hardships. One of the most effective ways to do so is by ensuring that you carry adequate uninsured/underinsured coverage on your own automobile insurance policy. If you currently lack such coverage, it’s imperative to take prompt action to add it to your existing policy. By doing so, you can mitigate the financial risks associated with accidents caused by drivers who lack sufficient insurance coverage.

In Georgia, there are two primary types of uninsured/underinsured motorist (UM) coverage available: standard UM and add-on UM. Standard UM coverage is offset by any available liability coverage held by the at-fault driver, while add-on UM coverage stacks on top of the liability coverage, providing additional protection. At Burnside Law Firm, we strongly recommend add-on UM coverage to our clients, as it offers enhanced financial security in the event of an accident with an uninsured or underinsured driver.

Despite the misconception that uninsured motorist coverage is costly, the reality is that it is often quite affordable, especially when compared to the potential financial ramifications of being involved in an accident with an uninsured or underinsured driver. We consistently encourage our clients to purchase as much uninsured motorist coverage as they can afford, as it provides invaluable peace of mind and protection against catastrophic injuries and losses.

By investing in adequate uninsured/underinsured motorist coverage, you can rest assured that your insurance company will step in to provide coverage for losses and damages you incur as a result of an accident with an uninsured or underinsured driver up to the available policy limits. This proactive approach can safeguard your financial well-being and ensure you receive the compensation you need to recover from unforeseen accidents effectively.

Contact Burnside Law Firm To Discuss Your Uninsured Motorist Accident Claim

If you have already been in a wreck with an uninsured/underinsured driver, then it may be too late for you to take advantage of this advice. On the other hand, it may not be. You should still consult one of our accident liability lawyers who can search for other available insurance coverage or file an insurance claim. It’s possible you have insurance policies that can be stacked to provide additional benefits, or maybe a third party with insurance can be held liable, such as the owner of the vehicle or the at-fault driver’s employer. If you have been injured due to the negligence of an uninsured/underinsured driver, contact one of the attorneys at Burnside Law Firm in Augusta or Athens, Georgia. We offer a free initial consultation to ensure all avenues of recovery have been explored and pursued to the fullest extent of the law.

DISCLAIMER: Every automobile wreck presents a unique set of facts and circumstances. These suggestions, on the other hand, are very general in nature and may or may not be appropriate in your particular case. Therefore, these suggestions are not intended as legal advice for your case and should not be relied upon as such. For legal advice and a free initial consultation about your automobile wreck case, If you have been injured in an automobile collision in Augusta, Martinez, Athens, Evans or another city in Georgia, please contact one of the attorneys at Burnside Law Firm LLP for advice regarding your claim.

To help us better understand your Personal Injury issue, please fill out our contact form.

Contact Us


2919 Professional Pkwy

Augusta, GA, 30907

Phone: (706) 432-8320


325 North Milledge Avenue

Athens, GA, 30601

Phone: (706) 227-4264

We have recovered tens of millions in settlements and verdicts

The attorneys at Burnside Law Firm LLP have over 30 years of collective experience handling personal injury claims. Over that time, we have helped hundreds of injured people recover the compensation they deserve and need in order to begin putting their lives back together. This list is just a sample of the recoveries we have obtained for some of our clients here and during our time at our former firm, Burnside Wall LLP. Obviously, success in obtaining significant judgments and settlements for other clients is no guarantee of success in your case. Each case must be evaluated and handled based on the individual merits of that particular case. To discuss the facts of your case and learn more about your legal rights, contact one of the personal injury attorneys at Burnside Law Firm LLP for a free initial consultation.

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Meet The Team

Thomas R. Burnside III Personal Injury Attorney

Thomas R Burnside III

Thomas R. Burnside III is a personal injury lawyer who focuses his law practice on the representation of individuals who have suffered injury as a result of automobile collisions, trucking accidents, medical malpractice, work related accidents or other causes. With over 20 years of experience in personal injury law at both the trial and appellate court levels, Attorney Burnside has represented people with brain and head trauma...

Meet Thomas Burnside
Garon Muller Personal Injury Attorney

Garon Muller

Garon Muller is a trial lawyer who focuses his law practice on the representation of individuals who have been seriously injured or damaged through the negligence or recklessness of others, including automobile collisions, workplace injuries, premises injuries, or defective products. Before beginning his practice in the representation of injured individuals, Mr. Muller served the community as an Assistant District Attorney...

Meet Garon Muller
Robert MacGregor

Robert MacGregor

Robert MacGregor is an experienced trial attorney licensed to practice law in Georgia and South Carolina. At the Burnside Law Firm, Robert devotes his practice to protecting the rights of individuals who have been injured because of someone else’s carelessness, negligence, or recklessness and represents those who have been injured in automobile collisions or tractor-trailer accidents; because of a slip and fall; and in other general negligence actions.

Meet Robert MacGregor

Ashton Revollo

Ashton is a trial lawyer in Augusta, GA who focuses his law practice on the representation of individuals who have suffered serious injuries or damages due to the negligent or reckless conduct of others, including automobile wrecks, job-related accidents, unsafe premises, or defective
products. Before beginning his practice, Ashton obtained his J.D., at Emory University School of Law, where he gained valuable courtroom experience as an intern assisting the District Attorney for DeKalb
County. After his time at Emory, Ashton received experience as a trial attorney at a respected personal injury firm in Atlanta before moving to Augusta. Over the course of his career, Ashton has assisted deserving clients in recovering millions of dollars in injury cases throughout Georgia.

Meet Ashton Revollo

Our Client Testimonials

Our Client Reviews

Burnside Law Firm

5.0 / 5.0

Based on 38 reviews

Erin Wren

After my car accident they helped me every step of the way! They were up front and answered any questions I had! They negotiated the insurance and got a higher settlement than was offered! I would definitely use them again!

Debbie Walker

In November 2017, I was in a car accident and I decided to seek out legal assistance. I chose to go with Burnside Law Firm, LLP because of their five star rating. My inital consultation was with attorney, Mr. Garon Muller. I knew immediately that I wanted Mr. Muller to take my case. His professionalism and expertise in personal injury made my decision easy. Mr. Muller maintained his professionalism throughout my case. He kept me updated on a regular basis via telephone or email. He was always available to me when I call. I did not have to wait 24 hours to get a call back from him. I would greatly recommend Mr. Muller and the Burnside Law Firm, LLP.

Rick Estep

Burnside Law Firm is who you want to represent you. Mr. Muller came to our house for a free consultation without hesitation. He guided us and overcame every obstacle we encountered. He secured the maximum insurance limits for us and we couldn't be more happy. If you are injured, DO NOT attempt to recoup compensation without the expertise of a trusted, skilled and able law firm to be your voice. THANK YOU MR. MULLER!!!

Alexander Hughes

Garon Muller with Burnside Law Firm makes client satisfaction his priority. Mr. Muller made sure that I had a lucid understanding during every discussion. He never made a decision without my input and made me feel like we were partners. Garon Muller was very professional and push for the maximum dollar amount from the insurance company. Me and my family considered ourselves blessed to have been represented by Garon Muller with Burnside Law Firm. We highly recommend Garon Muller and Burnside Law Firm! Burnside Law Firm staff are exceptional and exceeded our expectations.

Lynn Eldridge

I have known the Burnside family for many years. Recently Thomas was most helpful in getting my check following an auto collision. I highly recommend their firm.

Damien Williams

I definitely felt comfortable in there hands really good people.

Jacob Clements

Very very good law firm. Went above and beyond to make things right. Highly reccomend.

Barbara Huskinson

Burnside Law did what they said they would do. Garon Muller was great in communicating and looked out for my best interest in getting what was fair in my settlement. I would recommend Burnside to anyone.

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    2919 Professional Pkwy

    Augusta, GA, 30907

    Phone: (706) 432-8320


    325 North Milledge Avenue

    Athens, GA, 30601

    Phone: (706) 227-4264