Uninsured motorist (UM) coverage protects you in the event that you are
hit by a driver who was not insured at the time of the accident.
Uninsured motorist coverage is not required in the state of Georgia, however, it is common for drivers to add UM/UIM coverage to their auto
insurance policy at a limit of $25,000 per person and $50,000 per accident.
Georgia's uninsured motorist coverage laws can be found in
§ 33-7-11 of the Georgia Statutes and Codes.
Similarly, underinsured motorist (UIM) coverage protects you in the event
that you are hit by a driver that didn't have enough insurance to
cover the cost of damages. UIM essentially makes up the difference. UM
and UIM could provide the financial relief you need if you're hit
by an uninsured/underinsured driver. If you do not purchase either of
these policies, in the event of an accident with an uninsured or underinsured
driver, you would probably have to pay out of pocket for many accident
Why You Should Consider UM/UIM Insurance
Some benefits of uninsured and underinsured motorist policies include:
- You are covered (up to your policy limits) for injuries caused by uninsured drivers.
- You are covered (up to your policy limits) for medical expenses that exceed
the at-fault driver's policy limits.
You are covered (up to your policy limits) for damage resulting from
In Georgia, uninsured and underinsured motorist coverage policies only
provide financial relief for medical expenses, not property damage. If
the at-fault driver doesn't have insurance, or enough insurance, then
the cost to repair or replace your vehicle could be paid through collision
insurance. If you carry collision insurance, then you would simply have
to pay the deductible to receive this coverage.
Approximately 14% or one out of every seven drivers is uninsured, making
it more important now than perhaps ever before to purchase UM and UIM
policies. If you were involved in an accident with an uninsured or underinsured
motorist, we invite you to contact an Atlanta
car accident attorney at Henningsen Injury Attorneys, P.C. today to discuss your case.
We provide free consultations and can even come to you for an appointment.
Call us at (404) 800-6356 today.