Uninsured/Underinsured Motorist
In the Peach State, the beauty of driving through cities like Atlanta, Savannah, and the picturesque countryside can be marred by an accident, especially when the at-fault driver lacks adequate insurance. In Georgia, Uninsured Motorist (UM) coverage is a must have for such situations. This guide provides a comprehensive look into UM coverage in Georgia, tailored to the state’s unique regulations.
The Process
Georgia's Requirement on Auto Insurance
Every motorist in Georgia is mandated to carry a minimum amount of liability insurance. However, it's estimated that a significant percentage of Georgia's drivers either lack this insurance or are underinsured. This makes UM coverage vital for protection.
Types of Uninsured Motorist Coverage in Georgia
Georgia offers two forms of UM coverage:
a. Add-On Coverage: This option is exactly as it sounds. If an at-fault driver's insurance doesn't cover all your damages, you can "add on" your UM policy limits to what has been paid by the at-fault driver's insurance.
b. Reduced By (Traditional/Set-Off) Coverage: With this coverage, the total amount you can recover is your UM coverage limits reduced by the amount paid by the at-fault driver's insurance.
The Specifics of UM Coverage in Georgia
In Georgia, UM coverage not only applies when the at-fault driver is uninsured but also when:
•The at-fault driver's identity is unknown (e.g., a hit-and-run incident).
•The at-fault driver's insurance is insufficient to cover your damages (underinsured).
Making a Claim in Georgia
If you're involved in an accident with an uninsured or underinsured driver:
Document the Scene: Gather all necessary information, including witness testimonies.
Obtain a Police Report: Always report the accident. This serves as an invaluable piece of evidence.
Notify Your Insurance: Inform them of the incident and the potential need for UM coverage.
Engage Legal Assistance: Given Georgia's specific regulations, having a local attorney familiar with Georgia's UM laws can make the process smoother.
Georgia's "Stacking" Regulation
One unique aspect of Georgia's UM law is the concept of "stacking." If you have multiple vehicles insured under different policies, and each has UM coverage, you might be able to "stack" these coverages to increase the total amount you can recover.
Tips for Georgians
Regularly Review Your Policy: Ensure you understand the limits of your UM coverage and consider whether they are sufficient based on your needs.
Seek Legal Counsel Early: If you're unsure about your rights or the process, consult an attorney specializing in Georgia auto insurance claims.
Georgia’s roadways, like any state, are not immune to drivers who are uninsured or underinsured. Protecting yourself with UM coverage and understanding its nuances specific to Georgia can make a world of difference in navigating post-accident challenges If you have been in an auto accident through no fault of your own do not hesitate to contact us for a free consultation.
Uninsured/Underinsured Motorist Insurance: Myth vs Fact
Navigating the aftermath of an accident in the Peach State can be daunting, especially when dealing with uninsured motorist claims. Myths and misconceptions abound, potentially adding to the confusion. Let’s set the record straight for Georgia residents by dispelling myths and unveiling the facts.
Myth 1: If the other driver in Georgia is uninsured, I’ll have to pay out-of-pocket for all damages.
Fact: In Georgia, if you have Uninsured Motorist (UM) coverage, it can help cover costs the at-fault uninsured driver cannot. This includes both bodily injuries and, in many cases, property damage.
Myth 2: I don’t need UM coverage in Georgia since it’s mandatory for all drivers to have insurance.
Fact: While Georgia requires liability insurance, not all drivers comply. Moreover, even if a driver has insurance, it might not cover all your damages, emphasizing the need for Underinsured Motorist (UIM) coverage.
Myth 3: UM coverage is too expensive and not worth the cost in Georgia.
Fact: Compared to the potential financial burden of an accident with an uninsured or underinsured motorist in cities like Atlanta or Savannah, the cost of UM coverage in Georgia is often seen as a worthwhile investment.
Myth 4: In Georgia, I can only use my UM coverage if the at-fault driver is completely uninsured.
Fact: Georgia’s UM coverage also caters to situations where the at-fault driver is underinsured. If their policy falls short, your UIM can bridge the financial gap.
Myth 5: If I’m in a Georgia accident with an uninsured motorist, my premium will increase if I file a UM claim.
Fact: In Georgia, insurance companies generally cannot raise your premiums for claims where you’re not at fault, which includes UM claims. However, always check your specific policy for details.
Myth6: Making a UM claim in Georgia is a long and complex process.
Fact: While making any insurance claim requires diligence, the process for a UM claim in Georgia is typically straightforward. Ensure you have all necessary documentation and, if needed, consult legal counsel familiar with Georgia’s UM laws.
Myth 7: If the accident in Georgia is a hit-and-run, my UM coverage won’t apply.
Fact: In Georgia, most UM policies cover hit-and-run accidents, provided the incident is promptly reported to the police and you have evidence of the hit by another vehicle.
Understanding the specifics of uninsured motorist claims in Georgia can help drivers navigate post-accident complexities with greater ease. Always review your insurance policy and consider seeking advice from professionals familiar with Georgia’s laws to stay informed and protected. Do not hesitate to contact us for a free consultation if you have been injured in an accident.
Steps to Take Immediately After the Accident
Accidents are unsettling, and they become even more complicated when you discover the at-fault driver lacks proper insurance coverage. In Georgia, a state that sees its fair share of roadway mishaps, it’s crucial to know the right steps to take after an accident with an uninsured motorist. Follow this guide to navigate this challenging situation effectively.
1. Ensure Safety First
- Before diving into legalities and insurance details:
- Move vehicles to a safe location if possible.
- Check for injuries. If there are serious injuries, call 911 immediately.
2. Call the Police
It’s essential to file a police report, especially in uninsured motorist cases in Georgia. This report serves as crucial evidence if you later decide to file a claim using your Uninsured Motorist (UM) coverage.
3. Gather Information
- Document as much as possible: Driver’s name, address, and contact details (even if uninsured).
- License plate numbers of all involved vehicles.
- Witness names and contact details.
- Photos of the accident scene, vehicle damages, and any visible injuries.
4. Consult a Georgia Attorney
Given the intricacies of Georgia’s UM laws, it’s advisable to contact a local experienced personal injury attorney as soon as possible. Hospitals may pressure you to sign forms agreeing to arbitration or suggest using specific insurance coverage. These decisions might not be in your best interest. Having an attorney’s guidance from the outset can help ensure your rights are protected and prevent potential pitfalls.
5. Notify Your Insurance Company
Inform your insurance provider about the accident as soon as possible. Mention your suspicions or knowledge about the other driver being uninsured, as this will guide the subsequent steps your insurer takes.
6. Seek Medical Attention
Even if you feel okay, it’s wise to see a doctor. Some injuries may not manifest symptoms immediately but can have lasting implications. Medical records will also serve as evidence if you pursue compensation.
7. File a Claim with Your Insurance
In Georgia, your UM coverage will step in when the at-fault driver is uninsured. Depending on your policy, this can cover both bodily injuries and property damage. Remember, Georgia offers both “Add-On” and “Reduced By” UM coverage options, so understanding which you have will dictate how much compensation you might receive.
8. Maintain Records
Keep all documentation related to the accident:
- Medical bills
- Repair estimates and invoices
- Correspondence with the insurance company
- Any out-of-pocket expenses incurred due to the accident
9. Cooperate, But Be Cautious
While you should cooperate with your insurance company, remember their primary goal is often to minimize payouts. With an attorney’s assistance, you can ensure your rights are protected and you receive fair compensation.
Accidents with uninsured motorists can be a testing ordeal, especially when navigating the specific nuances of Georgia’s laws. By following these immediate post-accident steps and seeking professional guidance, you’ll be better positioned to handle the situation and safeguard your interests on Georgia’s roads. Do not hesitate to contact us for a free consultation if you have been involved in an accident through no fault of your own. Safe driving!
