Having uninsured motorist coverage in Georgia is important to protect you and your family. Uninsured aka Underinsured motor vehicle insurance helps pay your medical expenses, lost wages, and pain and suffering when another driver without insurance or without enough insurance causes the accident. Other situations include at-fault drivers that had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it.
Both polices provide you, your spouse, children, and other authorized drivers with significant coverage. This coverage pays for bodily injury and property damage that a driver causes in an accident. However, what options are available to you if the at-fault driver has no auto insurance or lacks enough coverage to pay for all of your losses?
What if the other driver flees the scene in a hit-and-run accident? Or what if you are hit by a driver while walking across the street as a pedestrian? The Poe Law Firm, can help you to navigate the challenging issues that may arise as you pursue such a claim. Our goal is to make sure that all of the potential sources for recovery are carefully examined after a car crash.
Contact us today to learn more. However, according to the Insurance Research Council , an estimated 9-to percent of Georgia drivers either never had it, or allowed their coverage to drop, leaving them without coverage. And even those with insurance may only carry these minimum amounts. If you are involved in a serious auto accident with multiple occupants in your vehicle or if multiple vehicles are involved, then it is likely that your losses will far exceed those limits.
So, unless you have rejected this coverage in writing, you may have it and not even realize it. You can also ask attorneys Jim and Matt Poe to review it for you. It typically applies if you are hurt in an accident involving:. This can provide access to more funds to help accomplish full compensation for your injuries. It is important to seek legal help immediately after a car accident.
Uninsured Motorist UM coverage is an additional coverage that can be added to your car insurance policy. Some states may require this coverage on your policy. If you're injured in a car accident by an uninsured driver a driver with no car insurance —or in some states, a hit-and-run driver—then Uninsured Motorist coverage could help pay for your expenses.
In some states, Underinsured Motorist UIM coverage is also available if you're in an accident with a driver whose insurance policy limits won't cover your vehicle damages or bodily injury expenses.
You may be able to add two types of uninsured motorist coverage to your auto insurance policy. If you're injured by someone who doesn't have car insurance, then UMBI coverage typically provides compensation for the following expenses:.
Without UMBI coverage, you could be held responsible for paying your own medical expenses. You may be able to report a claim under other coverages such as Medical Payments , Personal Injury Protection , or your own medical insurance. Meanwhile, UMBI may help cover your other non-medical expenses such as pain and suffering. If your car is damaged by an uninsured motorist, then Uninsured Motorist Property Damage provides coverage for repairs to your car. If your auto policy doesn't include UMPD coverage or Collision coverage, then you would have to pay for the car repairs or a file a claim against the at-fault driver in court.
Underinsured Motorist coverage is available in some states. This coverage helps protects you from at-fault drivers who cause a car accident and don't have enough insurance to pay for your injuries or damages.
UIM is broken into the same categories as UM: bodily injury and property damage. Please check to see if this coverage is available, and how the coverage is applied in your state. GEICO has cheap car insurance rates along with a number of available discounts. Get a car insurance quote now and see what makes sense for your needs and budget. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages.
These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. With Uninsured Motorist Property Damage coverage, the insurance company pays for repair costs if your covered vehicle sustained property damage in an accident where the at-fault driver has no liability coverage.
They will also pay for physical damage to any property owned by you that was in the covered vehicle at the time of the accident.
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