{"id":4454,"date":"2026-10-28T21:13:32","date_gmt":"2026-10-28T21:13:32","guid":{"rendered":"https:\/\/www.tmaddenlaw.com\/guides\/car-accident-lawyer-georgia\/how-much-can-i-get-from-an-underinsured-motorist-claim-with-geico\/"},"modified":"2026-11-04T09:28:27","modified_gmt":"2026-11-04T09:28:27","slug":"how-much-can-i-get-from-an-underinsured-motorist-claim-with-geico","status":"publish","type":"page","link":"https:\/\/www.tmaddenlaw.com\/guides\/car-accident-lawyer-georgia\/how-much-can-i-get-from-an-underinsured-motorist-claim-with-geico\/","title":{"rendered":"Underinsured Motorist Claim with GEICO: Georgia Guide"},"content":{"rendered":"\n
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Georgia Injury Guide | Clayton County, Atlanta and Beyond<\/p>

Underinsured Motorist Claims with GEICO: Know Your Options in Georgia<\/h1>

Your own policy may help when the at-fault driver's coverage falls short. T. Madden & Associates, P.C. has helped injured Georgians since 1999, and we're ready to review your claim.<\/p>

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Why Georgians Call T. Madden & Associates<\/h2>\n

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1999<\/h3>

Practicing personal injury law since<\/p><\/div>

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5<\/h3>

Georgia offices: Jonesboro, Atlanta, Decatur, Macon and Augusta<\/p><\/div>

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24\/7<\/h3>

Phone line for injured clients<\/p><\/div><\/div>\n\n<\/div>\n\n\n

By Terance Madden \u00b7 Published October 28, 2026<\/p>\n\n

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If you’re asking how much can I get from an underinsured motorist claim with GEICO, the short answer is that no one can name a number up front. The value comes from three things: your own underinsured motorist (UIM) limit, the at-fault driver’s liability limit, and the losses you can prove.<\/p>\n

This guide explains how those pieces fit together under Georgia law. Many readers are still recovering, or are caring for an injured family member. Clear facts can make the next step easier to think through.<\/p>\n

What underinsured motorist coverage is and when it applies<\/h2>\n

Underinsured motorist coverage is part of your own auto policy. It helps when the at-fault driver has insurance, but not enough to cover your losses. The Insurance Information Institute<\/a> says uninsured and underinsured motorist coverage may reimburse policyholders after accidents involving uninsured, underinsured, or hit-and-run drivers.<\/p>\n

Georgia law requires this protection. O.C.G.A. \u00a7 33-7-11<\/a> reads: “(a)(1) No automobile liability policy or motor vehicle liability policy shall be issued or delivered in this state to the owner of such vehicle or shall be issued or delivered by any insurer licensed in this state upon any motor vehicle then principally garaged or principally used in this state unless it contains an endorsement or provisions undertaking to pay the insured damages for bodily injury, loss of consortium or death of an insured, or for injury to or destruction of property of an insured under the named insured\u2019s policy sustained from the owner or operator of an uninsured motor vehicle, within limits exclusive of interests and costs which at the option of the insured shall be.”<\/p>\n

Uninsured motorist (UM) coverage is a related but different case. It applies when the at-fault driver is an uninsured motorist as described in \u00a7 33-7-11<\/a>, which is not limited to drivers with no insurance at all. UIM applies when the at-fault driver has some insurance, but the limits are too low.<\/p>\n

Even though another driver caused the crash, your UIM claim runs under your own policy. Your insurer is the company you deal with on that claim.<\/p>\n\n

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If you're recovering from a crash while sorting out your GEICO policy, our team can talk through your limits and the facts with you. Talk it through with our team — the first consultation is free, confidential, and carries no obligation.<\/p>

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Is GEICO your insurer or the other driver’s?<\/h2>\n

A UIM claim goes to GEICO when GEICO insures you. GEICO wrote the policy that contains the UIM coverage, so that is where the claim starts.<\/p>\n

The at-fault driver’s insurer handles a separate liability claim. The two claims run on separate tracks. Your claim against your own insurer is about your policy. The claim against the other driver is about their liability coverage. People often mix the two up, because one crash creates both.<\/p>\n

Check your declarations page. It lists your policy limits and shows whether UIM coverage is on your policy. Your policy file shows what you chose.<\/p>\n

How your UIM policy limit sets the ceiling on a claim<\/h2>\n

Your UIM limit is the most your own policy pays for this coverage. It appears on your policy, so you can see that ceiling before any claim begins.<\/p>\n

The other driver’s liability limit comes next. Under \u00a7 33-7-11<\/a>, your UIM coverage is extra coverage. Under \u00a7 33-7-11<\/a>, the policy may exclude the insurer’s liability for bodily injury or death already compensated under medical payments coverage or workers\u2019 compensation laws, and for property already compensated by other property or physical damage insurance. So that liability payment matters.<\/p>\n

Under the add-on (“in addition to”) form of uninsured motorist coverage, the statute limits what an insured can recover from UM benefits and the at-fault driver’s liability insurance together to no more than the total of the insured’s economic and noneconomic losses. Your policy limit is one ceiling. Your actual losses are another.<\/p>\n

The reduced-limits form under subdivision (II) of \u00a7 33-7-11(b)(1)(D)(ii)<\/a>, which an insured selects in writing, applies only to the gap between the other driver’s liability limit and your UM limit. Which form applies depends on your policy and your written choice.<\/p>\n

Factors that influence the value of a UIM claim<\/h2>\n

The injury, the proof, and fault shape the value of a claim most. Several factors stand out:<\/p>\n