Category: General Information Articles

Uninsured/Underinsured Motorist (UM/UIM) insurance is part of your auto insurance policy that protects you if the driver who caused the accident cannot pay for your losses. In plain language, this coverage steps in when the other driver has no insurance or not enough insurance. Filing a [UIM claim](/personal-injury/articles/UM/) in Georgia should not raise your insurance rates, as long as the accident was not your fault.
When you’re injured in an accident in Georgia, you have a limited time to take legal action. These deadlines, known as statutes of limitations, are strict and largely inflexible. Missing the window to file can mean losing your right to compensation. Below, we explain Georgia’s personal injury statute of limitations, the standard deadline for lawsuits, exceptions that can extend or shorten the timeframe, and tips to ensure you file your claim on time.