{"id":7120,"date":"2026-11-04T02:42:57","date_gmt":"2026-11-04T02:42:57","guid":{"rendered":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/truck-crash-uninsured-motorist-claim-clayton-county\/"},"modified":"2026-11-05T09:28:16","modified_gmt":"2026-11-05T09:28:16","slug":"truck-crash-uninsured-motorist-claim-clayton-county","status":"publish","type":"page","link":"https:\/\/www.tmaddenlaw.com\/guides\/truck-accident-lawyer-georgia\/truck-crash-uninsured-motorist-claim-clayton-county\/","title":{"rendered":"Uninsured Motorist Truck Accident Lawyer Clayton County"},"content":{"rendered":"\n
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Uninsured Motorist Truck Accident Lawyer | Clayton County<\/p>

Hurt in a Truck Crash With an Uninsured Driver? Talk to a Clayton County Lawyer Today<\/h1>

T. Madden & Associates, P.C. has represented injured Georgians since 1999. We focus on helping people hurt in truck wrecks, including crashes involving drivers who lack insurance. Your first consultation is free, confidential and comes with no obligation to continue.<\/p>

Start Your Free Case Evaluation<\/a><\/div>
Start Your Free Case Evaluation<\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n
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About T. Madden & Associates, P.C.<\/h2>\n

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1999<\/h3>

Year the firm began practice<\/p><\/div>

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5<\/h3>

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

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Free<\/h3>

Confidential first consultation with no obligation<\/p><\/div><\/div>\n\n<\/div>\n\n\n

By Terance Madden \u00b7 Published November 3, 2026<\/p>\n\n

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Looking for an uninsured motorist truck accident lawyer in Clayton County? Here is the short answer: if a truck driver has no insurance, or the company’s coverage is too small for your losses, your own auto policy may help pay. This page explains how these claims work in Georgia, what they can cover, and which deadlines matter.<\/p>\n

T. Madden & Associates, P.C. has been in practice since 1999. The firm represents people hurt in car and truck wrecks. Its Jonesboro office is in Clayton County.<\/p>\n

What an Uninsured or Underinsured Motorist Claim Is<\/h2>\n

An uninsured or underinsured motorist claim is made under your own auto policy. It helps pay your losses when the at-fault driver cannot pay enough.<\/p>\n

Georgia’s uninsured motorist statute generally requires auto liability policies to include uninsured motorist coverage, and the coverage limits are at the option of the insured. The Georgia uninsured motorist statute<\/a>, O.C.G.A. \u00a7 33-7-11<\/a>, provides for 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, sustained from the owner or operator of an uninsured motor vehicle. O.C.G.A. \u00a7 33-7-11<\/a> provides: “(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:” (official text<\/a>)<\/p>\n

Underinsured motorist (UIM) coverage works differently. It applies when the at-fault driver has insurance, but the limits are lower than your losses.<\/p>\n

The Georgia insurance regulator<\/a> says uninsured motorist coverage may protect against injuries to the insured and passengers when an uninsured driver causes the accident. The Insurance Information Institute<\/a> says these coverages may reimburse policyholders after accidents involving uninsured, underinsured or hit-and-run drivers. Your policy wording controls who is covered and what gets paid.<\/p>\n\n

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If a truck crash left you with medical bills and lost pay, and the other side cannot cover them, you may have a claim under your own policy. Talk it through with our team — the first consultation is free, confidential, and carries no obligation.<\/p>

Get a free consultation<\/a><\/div>
Get a free consultation<\/a><\/div><\/div>\n<\/div>\n\n
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When a Truck Crash Calls for a UM or UIM Claim<\/h2>\n

A UM or UIM claim often comes up when the truck side cannot cover your losses. Common situations include:<\/p>\n