In the unfortunate event of an accident with an uninsured or underinsured motorist, it is crucial to understand the role of uninsured and underinsured motorist coverage in Georgia. This type of insurance provides essential protection for you and your loved ones in personal injury cases. In this blog post, we will discuss the importance of uninsured and underinsured motorist coverage, how it works, and how it can protect you in the event of an accident.
Uninsured motorist (UM) coverage protects you if you are involved in an accident with a driver who does not have any liability insurance. On the other hand, underinsured motorist (UIM) coverage comes into play when the at-fault driver has liability insurance, but their coverage limits are not sufficient to cover your damages.
In Georgia, auto insurance companies are required to offer UM/UIM coverage as part of their policies. However, you have the option to reject this coverage in writing if you choose. It is important to note that having UM/UIM coverage can be invaluable in protecting your financial well-being in the event of an accident.
In Georgia, there are two types of UM/UIM coverage: “reduced-by” and “add-on.”
If you are involved in an accident with an uninsured or underinsured motorist, you should take the following steps:
Uninsured and underinsured motorist coverage is a critical component of your auto insurance policy in Georgia. It provides essential protection in the event of an accident with a driver who does not have adequate liability insurance. By understanding the role of UM/UIM coverage and how it works, you can better protect yourself and your loved ones in personal injury cases.
If you have been involved in an accident with an uninsured or underinsured motorist, the team at Cohen & Sinowski is here to help. Our experienced personal injury attorneys will guide you through the process and fight for the compensation you deserve. Contact us today for a free consultation.