Auto Accident & Uninsured Motorist Recovery

Scott Cummins secured a $112,500 total settlement for a man injured when another driver pulled out of a side road directly into his path. The at-fault driver's insurance company denied liability — claiming the client had hit them — but Scott gathered the evidence necessary to prove otherwise, forcing the insurer to pay their full $25,000 policy limit.

Recognizing that the policy limit fell short of the client's actual damages, Scott pursued an additional claim under the client's own Uninsured Motorist coverage, recovering another $87,500 on his behalf.

The case is a reminder of why UM coverage matters. Georgia law requires other drivers to carry only $25,000 in liability coverage — often far less than what a serious injury demands. Having UM coverage on your own policy ensures that someone else's minimum coverage is never the ceiling on your recovery.