If you are involved in a motor vehicle accident in Georgia, you would expect that the at-fault driver has insurance. However, the sad reality is that many drivers are either underinsured or don’t have any insurance. It is for this reason that insurance companies must offer you uninsured motorist insurance, although it is not mandatory coverage.
In Georgia, the minimum liability coverage is “25/50/25” for injury and property damage. Broken down, this translates to $25,000 per person, $50,000 per accident, and $25,000 to cover property damage. If the other driver in your Georgia accident only has the minimum coverage permitted by the state, it may not be enough to cover costs related to injuries and damage to your property.
Assuming the other driver has insurance but not enough to cover your losses and damages, your uninsured motorist insurance provides coverage. However, there are a number of other reasons to consider taking out uninsured-motorist insurance.
1. – Uninsured-Motorist
If you are involved in an accident and the other motorist does not have insurance, your uninsured motorist insurance may cover your costs. In most cases, uninsured-motorist insurance will match your liability insurance limits, unless you request lower limits in writing. If you do have lower coverage limits, the minimum requirement for uninsured-motorist insurance in 25/50/25. This amount of coverage may not provide enough protection in the event that you are involved in an accident with an uninsured driver in Georgia.
2. – Hit-and-Run Accident
In a hit-and-run accident, you may not have time to capture details about the other vehicle. So, how can you cover the cost of injuries and damage to your property? You can use your uninsured motorist insurance in a hit-and-run accident. This is especially beneficial if you have injuries that require time off work and medical treatment. Those losses are covered by your insurance and could significantly reduce what you end up paying out of pocket.
3. – Pedestrian Accidents
Pedestrians don’t carry liability insurance for crossing streets or intersections, yet pedestrians are often liable for motor accidents in Georgia. Your uninsured motorist insurance covers you for injuries and damage resulting from an accident caused by the actions of a pedestrian. Recovering damages from a pedestrian may prove difficult, so uninsured motorist insurance can be beneficial in this type of incident.
4. – Add-on Coverage
Add-on coverage allows you to stack your uninsured-motorist insurance on top of the at-fault driver’s insurance. For example, if the other driver has coverage of $25,000 for bodily injury and your uninsured coverage is $25,000, you could combine the two to give you a total of $50,000 in coverage. This is beneficial when the other driver’s insurance is not enough to cover your costs resulting from the accident.
H. Lehman Franklin P.C.
If you would like to learn more about recovering costs associated with an accident in Georgia, reach out to the offices of H. Lehman Franklin P.C. today. We provide a free consultation which can take place at your home or hospital bedside. You can reach our team on 912-764-9616 or email at firstname.lastname@example.org for a callback.