Georgia Car Accident, Truck Accident and SUV Roll-over Tips
There is a well-kept secret of the insurance industry - one unknown to most personal injury victims of car accidents, truck accidents, SUV roll-overs and other motor vehicle crashes: Namely, Georgia state law automatically includes “uninsured or underinsured motorist coverage” (UM/UIM) in the typical auto liability insurance policy. However, in Georgia, that is not the case if the policyholder rejects that coverage in writing at the time the liability coverage is purchased or renewed. Uninsured motorist coverage or Underinsured motorist coverage exists to provide the policyholder (and certain others) with protection from “the other guy” who either has no liability insurance coverage, or has less coverage than the total of all of the personal injury victim’s legal losses - - called “damages” - such as pain and suffering, mental anguish and so on. In Georgia, each policy should have a minimum of $25,000.00 of such UM/UIM coverage.
It has been our experience that uninsured motorist (UM/UIM) coverage is usually quite cheap. Given the number of uninsured drivers and drivers with the minimum required coverage ($25,000.00) on Georgia’s roads, this coverage is a bargain. It is our belief that because the coverage is cheap and the chances that they will have to pay uninsured motorist claims is high, insurance companies rarely try to sell this coverage and are more than happy to have you waive your right to the coverage. Never decline uninsured motorist coverage and always try to purchase additional coverage if possible.
