What Is Uninsured Motorist Coverage & Why You Need It

Picture the following scenario: You get into a car accident due to no fault of your own. Your car is totaled, you’re shaken up and even sore in some areas (Perhaps you’ve suffered serious injuries). A few days later, you come to find out that the person who was at fault for the vehicle collision did not have sufficient insurance to cover all the damage and injuries you have suffered.

It may sound hard to imagine, but many people take the chance of driving without proper driver’s insurance. In a study conducted in 2019, Georgia had an average of 12.4% of motorists who drove their vehicles uninsured. That’s 23rd in the country.

About Uninsured Motorist Coverage

Uninsured Motorist (UIM) Coverage is incredibly important to making sure that you and your family are protected in a car accident. UIM usually applies to injuries suffered as a result of the car accident, and not so much the damage done to your vehicle. (For that, you may want to look into “Uninsured Motorist Property Damage Coverage.)

How to Apply for UIM in Georgia

Make sure that your insurance policy is covered for UIM and that is what’s called, “Add on” coverage. This means that whatever the other person’s limits of insurance are, that your Uninsured Motorist Coverage “adds-on” to that limit, as opposed to being ‘reduced by.”

If you’re involved in an auto collision, your first priority should be to contact your insurer and determine whether your policy covers the incident.

If this accident has caused injuries that are not covered by adequate insurance, it’s best to contact an expert Gwinnet County car accident law firm such as Hong & Sessions. Call us at (678) 235-3170 right away.


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