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Protect Yourself with Uninsured Motorist Coverage

Insurance today is almost as ubiquitous as taxes.  There seems to be insurance for everything from your health to your next trip.  Some forms of insurance, specifically health and car insurance, are mandated by the government. Other forms of insurance like a life insurance policy from your employer may be automatic.  Most remaining forms of insurance are optional.  With so many available options, sometimes deciding which insurance policies to purchase can be difficult.

One important type of insurance that everyone should have is uninsured motorist coverage (UMC).  The Insurance Research Council estimates that, in the United States, as many as one in six drivers may be uninsured. Further, uninsured motorists seem to cause a disproportionate number of automobile accidents.  Perhaps because people who are not responsible enough to abide by Georgia’s law requiring that drivers operating a motor vehicle have proof of their ability to cover damages caused by their vehicle also tend to be careless and irresponsible drivers. Regardless, UMC will protect you if you are involved in an automobile accident with an uninsured motorist.

There are many types of UMC.  Some policies only cover damage to property.  Some coverage is limited to personal injuries. However, most policies cover both damage to property and personal injuries.  Further, insurance carriers in Georgia are required by law to offer two tiers of UMC. One tier provides basic coverage at a lower price, and the other tier provides premium coverage at a higher price.

If you have been involved in an accident with an uninsured motorist and have questions, you should contact an experienced Atlanta automobile accident attorney who has experience handling these types of claims.