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Uninsured Motorist Coverage in Georgia

Uninsured Motorist Coverage in Georgia

Many times we have had to explain to a badly injured auto accident victim that there at-fault driver had no insurance to cover the medical bills, injuries, and pain and suffering caused by the accident.  In such cases, the person causing the accident almost never has assets that can be recovered to make up for the lack of insurance.  This unjust result happens all too often in Georgia and is the reason that all drivers should carry sufficient uninsured motorist coverage.

If you live in the state of Georgia, according to the Georgia Governor’s Office of Highway Safety, in 2019 there were 1,490 traffic fatalities reported. As the capital of the state of Georgia, Atlanta has the most residents of any other city or town in the state. There are approximately 498,715 people that call Atlanta home. There is a serious potential for a devastating accident for those that live, work, and visit the city. The costs that come with a catastrophic car accident have the potential to be immense. It is critical to consider carrying the right amount of car insurance to protect you financially if you are in a car accident.

Uninsured Motorist Coverage Protects You From Uninsured or Under-Insured Drivers!

Uninsured motorist coverage (UM) in Georgia is an important protection for you if a negligent party causes an accident, leaving you with injuries and losses. UM coverage is a safety net that is meant to cover the costs of your damages if the party that hit you does not have enough insurance coverage to pay for those expenses. Georgia law requires drivers to have only $25,000 in coverage; and unfortunately, many drivers have no insurance at all.

How Many Uninsured Drivers Are There in Georgia?

It is estimated that across the nation, approximately one in eight drivers traveling about the roads have no insurance at all, according to the Insurance Research Council. The IRC also reports that the number of uninsured drivers is on the rise. From 2010 to 2015 the rate of uninsured motorists was up by .7%. For drivers that do not have uninsured motorist coverage in Georgia, it could be financially devastating if an uninsured motorist hits you.

Georgia is ranked 25th in the nation for having uninsured drivers traveling on the roads. There are approximately 12% of all drivers that do not have car insurance. These estimates do not even include out-of-state uninsured motorists that drive throughout the state. The risk of being hit by an uninsured driver in Georgia is great.

What Happens When You Are in an Accident With an Uninsured Driver?

Without this extra UM coverage, it is likely that you will be personally responsible for paying for your own damages. These could include:

  • Extensive property damages
  • Medical care, procedures and treatments

What Happens When You Are in an Accident With an Underinsured Driver?

Even if a driver has the minimum coverage required under Georgia’s car insurance laws, this still may not be enough to pay for damages that a cataclysmic car accident can cause. When a personal injury claim is filed after a car accident, some of the damages that may be accounted for are:

  • Medical care and treatment
  • Lost wages
  • Property damage
  • Loss of future wages
  • Pain and suffering

Ultimately, when an uninsured or underinsured driver causes an accident that has substantial property destruction and physical bodily harm, the victim will burden the financial cost of these expenses resulting from the car crash.

Can You Take an Uninsured/Underinsured Driver To Court?

Certainly, it is possible to take an uninsured party to court to attempt to receive compensation for your injuries and losses. However, in reality, the chances that the individual has the assets necessary to help a victim recoup their losses is unlikely. When a person does not have car insurance, it is also fair to estimate that they also do not have much in terms of personal wealth.

If you have uninsured motorist coverage and are involved in an accident caused by someone without sufficient insurance, you should speak to a lawyer.  This is because there are legal processes that must be followed to be sure that you are able to take advantage of your uninsured motorist coverage.

How Much Insurance Should a Georgia Driver Have?

While this is a personal question that will depend on the financial status of every individual, it is important to consider carrying more than the standard amount of insurance.

Georgia law requires that all drivers carry UM/UI insurance with their policies, however, the more coverage you have, the better protected you will be if you are involved in any kind of an accident. As an example, if a driver in Georgia is in an accident with a negligent driver who has Georgia’s minimum insurance requirement of $25,000, this may not even come close to paying for the full cost of damages a victim can suffer after a Georgia car accident.

Speak with an Atlanta Car Accident Attorney Today

The Atlanta car accident lawyers at Hall and Lampros can advise you about the benefits of having uninsured motorist coverage in Georgia, as well as your legal rights after a car accident.  Call our experienced car accident attorneys today at 404-876-8100 to schedule your free consultation and ensure your legal rights remain protected.

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