Uninsured Motorist (UM) & Under-Insured Motorist (UIM)
coverage safeguards you in scenarios where the at-fault driver is either uninsured or has inadequate coverage to meet the costs of damages. This coverage extends to various aspects, including medical expenses, disability, lost wages, pain and suffering, property losses, and loss of consortium.
Given the likelihood of individuals with poor records opting for the cheapest or no insurance coverage, securing UM/UIM coverage becomes crucial. To ensure comprehensive protection, it is highly recommended to align the coverage limits of your UM/UIM policy with those of your liability coverage. This proactive approach ensures that you are adequately covered in the event of an accident involving an uninsured or under-insured motorist.
Georgia laws allow stacking of all motor vehicle insurance policies that you or any household relatives have at the time of the accident.
In the case of an accident involving an Uninsured/Underinsured Motorist (UM/UIM) driver, you have the option to aggregate coverage from your individual motor vehicle policies and those of household relatives to determine the total available amount.
To leverage this provision effectively, it is crucial to promptly notify all UM/UIM carriers involved, covering a range of motorized vehicles such as cars, trucks, motorhomes, motorcycles, and others that are part of your insurance portfolio.
Georgia insurance laws offer two types of UM/UIM coverage choices. The first is “reduced” or “difference-in-limits” coverage, which is slightly more economical but only pays out if your coverage limits are higher than those of the at-fault driver. The more comprehensive option is “add-on” or “excess” coverage, which supplements any existing coverage held by the at-fault driver, providing enhanced protection in case of an accident.
Get Help in Georgia Now
If you are under insured or uninsured get in touch with our Georgia motorcycle accident injury lawyers today and get the compensation your deserve.
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