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Uninsured Motorist Coverage in Georgia

The Law Office of George O. Haskell, IV Jan. 17, 2024

At The Law Office of George O. Haskell, IV, we understand how confusing and stressful it can be to navigate the complexities of auto insurance. A significant aspect that often leaves people baffled is Uninsured Motorist (UM) Coverage. It's a crucial component of your auto insurance policy that could have a significant impact on your life if you're ever involved in an accident with an uninsured driver

It's not easy dealing with insurance jargon, especially when you're trying to make sense of something as vital as UM coverage. Our aim is to clarify these concepts, helping you make informed decisions that protect you and your loved ones. 

What Is Uninsured Motorist Coverage? 

Uninsured Motorist Coverage, or UM coverage, is a part of your auto insurance policy that protects you if you're involved in an accident with a careless driver who does not have liability insurance or if you're a victim of a hit-and-run incident. Essentially, it's your safety net when the other party cannot cover the costs. 

Uninsured Motorist Coverage typically covers: 

  • Medical expenses: This includes ambulance fees, hospital care, surgery, and any necessary follow-up treatments or therapies related to the accident. 

  • Lost wages: If the accident forces you to miss work, UM coverage can compensate for the income lost during your recovery period. 

  • Pain and suffering: In some cases, UM coverage may cover non-economic damages, such as trauma, pain, and suffering. 

  • Property damage: Depending on your policy, UM coverage can also include repair or replacement costs for any damage to your vehicle. 

Remember, the specifics of what is covered can vary depending on the details of your own insurance policy. Always refer to your policy documents or consult with a lawyer for definitive information. 

Is It Required in Georgia? 

Yes, in Georgia, auto insurers are required to include UM coverage in their policies. However, it's up to you whether to keep it or not. We strongly advise keeping this coverage—it's a small price to pay for peace of mind. 

What Does it Mean to Stack Coverage? 

In some states, including Georgia, you have the option to "stack" your UM coverage. This means you can combine the coverage limits of multiple vehicles insured under your policy, providing higher protection in case of an accident with an uninsured driver. 

Suppose you have a UM coverage limit of $50,000 per vehicle, and you own three vehicles. If you choose to stack your coverage, the total UM coverage you can access in the event of an accident with an uninsured driver increases to $150,000 ($50,000 per vehicle x 3 vehicles). This gives you a higher level of financial protection, ensuring that even substantial medical expenses or property damage costs resulting from an accident can be comfortably covered.  

Keep in mind, the specifics of stacking coverage may vary based on the insurance provider and the terms of your policy. Always read the fine print and consult with your insurance advisor to understand the complete benefits and restrictions. 

How to Use Your Uninsured Motorist Coverage in Georgia 

If you find yourself in a situation where you need to utilize your Uninsured Motorist (UM) coverage, here are the steps you should follow: 

  1. Report the accident: Immediately report the accident to both the police and your insurance company, regardless of the other driver's insurance status. When dealing with an uninsured driver, your insurance provider becomes your primary source of financial recovery. 

  1. Collect information: Gather as much information as possible about the accident, including the other driver's details, photos of the accident scene, recorded accounts from any eyewitnesses, and the police report. This information will help to support your claim. 

  1. Start the claims process: Inform your insurance provider that you intend to make a UM claim. They will guide you through their specific claims process.  

  1. Document your losses: Keep detailed records of all your expenses related to the accident, including medical bills, repair costs, and lost wages. 

  1. Consult with a lawyer: It's beneficial to have a legal professional on your side to advocate for your best interests, especially if your claim is large or if you've suffered serious injuries. 

Remember, UM coverage is there for your protection. Don't hesitate to use it if you're involved in an accident with an uninsured driver. If you need assistance or have any questions about UM coverage or the claims process, don't hesitate to reach out to a trusted legal advisor. 

What Happens if You Don’t Have UM Coverage? 

If you choose to not have UM coverage, you are in essence taking a gamble. Should you unfortunately find yourself in an accident with an uninsured driver, the financial implications could be severe. You might have to shoulder all the medical bills, rehabilitation expenses, and costs of repairing or replacing your vehicle. This could all potentially lead to financial distress, especially if the injuries sustained prevent you from working. Furthermore, the legal process of attempting to recover damages from an uninsured driver can be costly, complicated, and time-consuming, with no guarantee of a favorable outcome. To avoid these harsh potential consequences, keeping your UM coverage is highly recommended. 

Protect Yourself on the Road with Uninsured Motorist Coverage 

At The Law Office of George O. Haskell, IV, we're committed to helping you understand and navigate the complexities of auto insurance. If you've been involved in an accident with an uninsured driver, or if you need advice on your auto insurance policy, don't hesitate to reach out. We're here to help.

Our personal injury attorney is dedicated to serving clients throughout Macon-Bibb County, Georgia, and the surrounding areas, including Milledgeville, Houston County, Warner Robins, Monticello, and Forsyth. Call us today—because when it comes to your recovery, every second counts.