All About Uninsured Motorist Claims in Georgia

Driving without insurance may trigger license suspension and fines in Georgia. Still, not all drivers carry auto insurance or the required liability insurance coverage. In an ideal situation, when accidents happen, the at-fault driver will have enough coverage to compensate for the victim’s injuries. Nevertheless, this is not always the case in Georgia automobile accidents.

An uninsured driver does not have an automobile liability policy to cover damages. So, uninsured motorist coverage (UMC) protects you when you get into accidents with such drivers. It allows you to present a compensation claim to your insurance company.

Uninsured motorist coverage helps pay for your property damage or bodily injury. It differs from underinsured motorist coverage, where the at-fault driver has insufficient insurance.

Is Uninsured Motorist Coverage Mandatory in Georgia?

In Georgia, uninsured motorist coverage is optional but recommended. Without it, you may incur out-of-pocket expenses for car repairs and medical bills. If you provide transportation services like Uber, you may have concerns about the Uber car accident insurance limits.

With the increasing number of uninsured motorists on the road, UMC can provide financial protection and peace of mind. Talking to an Atlanta Uber accident lawyer about the appropriate insurance options is advisable.

The limits of uninsured motorist insurance are presumed equal to your liability coverage. For example, if your liability limit is $75,000, your UMC is $75,000. You may opt out of UMC or purchase a lower UMC.

Uninsured motorist coverage may be excess coverage or difference in limits coverage. Excess coverage provides coverage up to the liability limits of the uninsured motorist coverage. For example, the at-fault driver’s liability coverage is $25,000, and your excess coverage is $50,000. In that case, you will have $75,000 in uninsured motorist coverage.

The difference in limits considers the at-fault party uninsured only for the difference between the liability coverage and UMC. For example, where the at-fault driver has $25,000 liability coverage, and the difference in limit UMC is $75,000, you would have $50,000 available UMC.

Therefore, purchasing an uninsured motorist claim above the minimum liability limits is recommended. You may be left without a remedy for your car damages and injuries by failing to do so. Atlanta lawyers will work hard to ensure you receive adequate compensation.

Motor accidents have intense physical and financial consequences. If you are involved in one, you should do the following:

• Call the police: Once the police arrive, they can take statements to determine who was at fault. Officers usually perform a preliminary investigation and create an accident report.

• Get contact information: If possible, collect the address and phone number of the driver at fault. You can also record the license plate number on the vehicle. If there are any witnesses present, you should get their contact information.

• Seek medical attention: You should ensure you are safe after an accident. If you or a passenger in your vehicle is injured, you must visit the hospital immediately. Some injuries are not easily detectable, and a physician can help you trace developing symptoms.