Philadelphia Injury News

Georgia Uninsured/Underinsured Motorist (UM) Insurance Coverage

What is it?

Uninsured / Underinsured Motorist Bodily Injury insurance coverage (often referred to as UM or UIM) provides protection for you and your passengers in the event that you or they are injured by a driver who does not have any, and in some cases not enough, insurance to cover your injuries. In Georgia, uninsured / underinsured motorist bodily injury insurance coverage is optional – it is not required.

Due to the economy in recent years, many Atlanta drivers have chosen to reduce their insurance coverage to the minimum limits or are driving illegally without any insurance coverage. If one of these underinsured / uninsured drivers causes an accident that injures you or your passengers, you will want to have uninsured / underinsured motorist bodily injury insurance coverage.

Uninsured / Underinsured Motorist Property Damage insurance coverage provides protection for costs related to damage to your insured / covered vehicle and your vehicle’s contents (e.g., cell phone, sunglasses, etc.), if the vehicle is damaged by a driver who does not have any, and in some cases not enough, insurance to cover your property damages. In Georgia, uninsured / underinsured motorist property damage insurance coverage is optional – it is not required.

What are my coverage options?

The law in Georgia recently changed and now provides for two (2) different types of uninsured / underinsured motorist insurance coverage:

Added to at-fault liability limits: If you are injured or damaged by a driver that has insurance but not enough insurance, your uninsured / underinsured insurance coverage limits are added to the other driver’s liability limits so you can potentially collected the total of the two policies combined.

For example, if the at-fault driver has $25,000.00 in insurance coverage and you have $25,000.00 of added to uninsured / underinsured insurance coverage, you could potentially receive a combination of the policy limits or $25,000.00 + $25,000.00 = $50,000.00.

This type of insurance coverage applies to both bodily injury and property damage claims.

Reduced by at-fault liability limits: If you are injured or damaged by a driver that has insurance but not enough insurance, your uninsured / underinsured insurance coverage limits are reduced by the other driver’s liability limits.

For example, if the at-fault driver has $25,000.00 in insurance coverage and you have $25,000.00 of reduced by uninsured / underinsured insurance coverage, you would only receive $25,000.00 from the at-fault driver’s insurance company and $0.00 from your uninsured / underinsured reduced by insurance coverage. $25,000.00 (at-fault driver) – $25,000.00 (reduced by uninsured / underinsured limits) = $0.00 paid by your own uninsured / underinsured insurance coverage.

This type of insurance coverage applies to both bodily injury and property damage claims.

If the at-fault driver does not have any insurance coverage they are considered uninsured. If you are injured or damaged by an uninsured driver, your uninsured / underinsured insurance coverage limits are all that matter.

When purchasing your auto insurance coverage, you should consider the difference in cost for each of these types of uninsured / underinsured motorist insurance coverage as

Do I need uninsured / underinsured insurance coverage?

No one can predict the future but that is why you need insurance. The chances of you receiving personal injuries or other damages from a car accident are low. But if something does happen, you want to be protected.

According to the Georgia Department of Transportation, more than 300,000 traffic accidents occur in Georgia each year. Of those car accidents, more than 130,000 accidents involve personal injuries and wrongful death. The majority of these car accidents and personal injuries occur in the Atlanta, Georgia area.

You have rights; protect them.

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