While uninsured/underinsured motorist (UM/UIM) coverage is not required in the state of Georgia, it offers a multitude of benefits, especially if you've sustained bodily injury in an accident with an uninsured motorist.
Some benefits of uninsured motorist coverage pertaining to bodily injury include:
- coverage for you and your passengers' injuries in a car accident;
- coverage for your injuries in a pedestrian accident;
- coverage for your injuries in a hit-and-run accident; and
- coverage for you and your family members' injuries when traveling in other vehicles.
The range of situations in which uninsured motorist coverage for bodily injury can be applied is broad. While many people think that having health insurance negates the need for uninsured motorist coverage, health insurance can't pay for your lost time at work, or account for your pain and suffering; UM/UIM coverage can.
The importance of UM/UIM coverage is paramount when you consider that one out of every 6 drivers is uninsured. In today's economic climate, it's quite possible that drivers who can't afford insurance won't foot the bill for your medical expenses, either. To gain the highest sense of security after an accident, you'll want to elect this coverage for your Georgia car insurance policy.
If you've been injured in an accident with an uninsured or underinsured motorist in Georgia, and need to seek compensation, you'll want to talk with an Atlanta car accident lawyer. An attorney can help to guide you in your best course of action, whether you need to make a claim with your insurance company through your UM/UIM coverage, or explore other options to get the compensation you need.
Contacting an Atlanta Car Accident Lawyer
If you are the victim of someone else's negligence or carelessness, whether in a traffic accident or some other type of accident, you have certain rights guaranteed by law. To help you understand these rights and seek the compensation you may be eligible for to help get your life back in order, contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation on your injury case.