Underwood Law

Underwood Law At Underwood Law, "justice" isn't just a word, it's a core concept of a free society. About The Law Offices of William F. Underwood, III, P.C.

Aggressively Fighting for the Rights of Clients
At the Law Offices of William F. Underwood, III, P.C., we are putting people first. When a client comes to us with a workplace or other Albany, GA personal injury case, we take the time to help them understand their available legal options and proceed with their case. Workplace injuries are often devastating, and they are made worse by insurance comp

anies that go to great lengths to blame victims and avoid paying a settlement. We are committed to justice, and that means obtaining an appropriate settlement even if it has to be fought in court. What sets our firm apart? We are backed by a track record of success - we've recovered millions on behalf of our clients
We offer award-winning representation
We have a history of satisfied clients
Your calls are returned in 24 hours or less

08/28/2026

Can I add UM coverage after an accident?

You may be able to change your policy for the future, but it usually will not help with a crash that already happened. Insurance coverage is generally based on what was active on the date of the accident. That is why we say: do not wait until after the wreck to understand your coverage. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/26/2026

Does UM coverage apply in a hit-and-run accident?

It may, but hit-and-run claims can have special rules and proof issues. You should report the crash to the police immediately, document everything you can, and speak with an attorney as soon as possible. Do not assume the insurance company will automatically treat it as a covered UM claim. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/21/2026

What is the difference between add-on UM and reduced-by UM?

In simple terms, add-on UM may give you an extra layer of coverage on top of the at-fault driver’s insurance. Reduced-by UM may reduce your available UM coverage by what other insurance pays. The exact result depends on the policy language and Georgia law — this is something you should ask your insurance agent about before a wreck. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/19/2026

What does “policy limits” mean?

Policy limits are the maximum amount an insurance policy may pay for a covered claim. For example, a driver may have insurance, but their limits may be too low for a serious injury case. That is one reason UM coverage can matter. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/14/2026

What is a declarations page, and why does it matter?

A declarations page is a summary of your auto insurance policy. It usually shows your coverage types, limits, vehicles, and drivers. If you want to know whether you have UM coverage, your declarations page is one of the first places to look. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/12/2026

Is UM coverage required in Georgia?

Georgia insurance companies must offer UM coverage, but drivers can reject it in writing. That means you should not assume you have it. The best thing to do is check your declarations page or ask your insurance agent directly: “Do I have UM coverage?” Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/07/2026

What is the difference between uninsured and underinsured motorist coverage?

Uninsured means the at-fault driver has no insurance or that the accident was caused by an unknown driver. Underinsured means they have insurance, but not enough to cover the injuries and losses from the crash. UM coverage may apply in either situation, depending on the policy and the facts of the case. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

08/05/2026

Why do I need UM coverage if I already have car insurance?

Your regular liability insurance usually protects other people if you cause a wreck. UM coverage is different. It may help protect you and your passengers if someone else causes the wreck and does not have enough insurance. That is why it is important to check your own policy before an accident happens. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case.
Underwood Law LLC · dontwait.law · (229) 888-0888

07/31/2026

What is UM coverage?

UM stands for uninsured motorist coverage. It may help protect you if the person who caused the crash has no insurance or not enough insurance to cover the harm they caused. It is coverage you buy through your own auto insurance policy, but whether it applies depends on your policy and the facts of the accident. Your policy and your case facts matter, so always get advice based on your situation.

This video is for informational purposes only and does not constitute legal advice. Results may vary based on the facts of your case. Underwood Law LLC · dontwait.law · (229) 888-0888

07/29/2026

Most people find out they needed UM coverage after it’s too late.

Uninsured Motorist Coverage is one of the most misunderstood parts of your auto policy — and one of the most important. If you’re hit by a driver with no insurance, or not enough, this coverage could be the only thing standing between you and paying out of pocket.

Attorney David Johnson is breaking it all down — plain language, no legal jargon, just what you need to know.

This is the first video in our UM Coverage series. Follow along so you don’t miss a thing.

Questions? Don’t Wait.
Call (229) 888-0888

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1151 Dawson Road , Suite M
Albany, GA
31708

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