What is uninsured/underinsured car insurance in Georgia?

Georgia uninsured car insurance and underinsured car insurance are two very important forms of coverage that many motorists do not appreciate until they’ve been in a very serious Atlanta crash. Basically, these are two types of coverage you can add to your existing insurance policy. Most important is the protection these two options provide you, your family, and passengers.

Georgia uninsured car insurance protects you and the passengers in your car when a driver that has absolutely no insurance coverage causes your Atlanta crash. This means if you have family members on your policy who are riding in another person’s car at the time of the crash, they may still be protected. Passengers in your car may be protected, too, regardless of whether they are family members.

Underinsured car insurance coverage protects you after an accident caused by a driver without enough coverage to cover the full extent of your injuries. Say for instance the other driver’s policy only accounts for $250,000, but your medical costs combined with loss of income amount to more than $300,000. If you have purchased $100,000 or more of Georgia underinsured insurance coverage, you may be able to stack that coverage on top of the other driver’s insurance payout if you have stackable coverage.

There are a few key steps you should take if an uninsured or underinsured driver in Atlanta caused your crash. First, notify your insurance company as soon as possible. Second, know that you don’t necessarily have to comply with the other insurer’s requests for statements and records. After all, insurers are not in business to shell out as much money as possible for injured parties. An attorney dealing with these kinds of crashes will tell you that that's the last thing the at-fault party’s insurance company wants.

When you’ve been injured in a crash that someone else caused and compensation is necessary to cover for your medical bills and losses, an Atlanta-area attorney can help you make sense of your insurance coverage, determine your options, and file a claim.

Answering Your Questions About Uninsured/Underinsured Insurance

If you are the victim of someone else’s negligence or carelessness in a traffic accident, navigating insurance coverage and the claims process can be confusing at best. To help you understand your rights and seek the compensation for which you may be eligible 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 – 404-467-0909.