Understanding the various aspects of uninsured and underinsured motorist coverage in our state can be daunting. Many drivers have little to no knowledge as to the limits of their coverage or what type of harm their insurance covers. If you have been involved in an auto collision with a motorist who is not fully insured, a Georgia personal injury attorney can assist you.
Georgia law requires all motorists to carry a minimum amount of liability coverage ($25,000 per person injured/$50,000 per collision). This will cover costs associated with bodily injury and property damage; But, what happens when the at-fault driver has too little coverage, or no coverage? Or, what if the driver flees the accident scene, leaving the victim with no options for recourse?
If you have purchased uninsured/underinsured motorist coverage with your auto insurance policy, you may be able to file your claim with your own insurer.
Under Georgia statutes, a driver must carry minimum liability insurance that includes $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. While this is required, research has shown that an alarming number of drivers in the state fail to carry such minimums, or have no insurance coverage at all. Additionally, a great deal of vehicle collisions result in injuries that greatly exceed the state minimum insurance coverage limits which could leave you or your loved ones holding a large hospital bill. If you are involved in a serious accident with a motorist who has too little or no coverage, you will have no options for reimbursement for your medical expenses and damage to your vehicle – unless you have uninsured/underinsured motorist coverage.
Georgia law does require that insurers make UM insurance coverage available to those applying for coverage in the state. Most drivers will have some form of UM coverage and may not even realize it – this information can be found on the declarations page of the policy or by simply speaking with your insurance agent regarding your coverage.
This protection is critical, especially with so many drivers using the bare minimum of insurance coverage, or driving irresponsibly without insurance. UM coverage will help if you are involved in an accident that has:
In addition to covering yourself, your auto insurance policy’s UM coverage should also apply to your spouse, relatives residing in your household, and anyone who is using your vehicle with your consent.
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In Georgia, you can choose between stacking and non-stacking (also called add-on or reduced by) UM coverage. Stacking coverage is considered an add-on coverage that stacks on top of the liability coverage of the other driver. Non-stacking coverage has the amount of liability coverage for the other party subtracted from its coverage; then, the remaining balance is available to you for injury and property damage costs.
It is important to seek legal assistance right after an auto accident in Georgia. Because UM coverage is difficult to understand, and insurers are not quick to explain it, you need an experienced advocate by your side to ensure that you get the medical coverage and property damage reimbursement that you deserve. The expert lawyers at T. Madden & Associates, P.C. can assist you with your claim. Schedule a consultation today by calling 833-PAID-123 in Atlanta and 833-PAID-123 in Augusta. You may also ask a legal question online by filling out our online contact form.
T. Madden & Associates, P.C has an answer for all of your legal questions! We are a Personal Injury firm, so we handle many types of injury cases from auto collisions to wrongful death! If you or someone you know is injured, T. Madden & Associates, P.C. can help.
We are proud to offer free case reviews to anyone who may have questions before getting started. Additionally, if we do take on your case, we promise we won’t charge you a penny unless we recover compensation for your claim.
Please contact our Atlanta attorneys online or by calling 833-PAID-123 to get started today.
