Uninsured Motorist Coverage And Georgia Drivers:

We have blogged before about the importance of uninsured/underinsured motorist coverage. Because of the economic problems being currently experienced by our Country, such coverage is probably now more important than ever. Many people who are experiencing economic problems are cutting back on expenses. Some people are driving with no insurance. When insurance premiums and bills are received they are ignored. In short, people are taking their chances that they won’t be in an accident while driving without insurance. Those who are violating the law in this regard are really taking no chance at all. While they may be charged with driving without insurance, if they inflict serious injury and/or death on someone due to their negligence, the question arises as who is really bearing the risk of such misconduct. The answer is simple: Innocent members of the public.
The only way that an innocent member of the public can protect themselves against an uninsured driver is to purchase uninsured/underinsured insurance coverage. Such coverage will provide a safety net for the innocent victim of the negligent acts of an uninsured driver. If a driver, who is operating without insurance, runs a stop sign, a red light, crosses the centerline or otherwise is responsible for a serious collision which results in serious personal injuries and/or death, because such a driver has no insurance, the only way the innocent victim of such negligence can be compensated is if he or she was wise enough to take advantage of the availability of uninsured motorist coverage.
Uninsured motorist coverage protects everyone from the negligent acts of third parties and particularly those who are financially irresponsible. In today’s tough economic times, more and more people are acting financially irresponsible particularly when it comes to their duties to the public. Selfishness has always been a problem in human affairs and it is astounding that so many people are able to rationalize that they can violate the law particularly when they are exposing others to tremendous risks should they be involved in a collision.
We would urge all of our clients to review their insurance policies to make sure that they have uninsured and/or underinsured motor vehicle coverage as a part of their policy. This coverage is usually more affordable than is liability insurance coverage and in today’s economic times should be considered mandatory by virtually everyone. If you have a question about how such coverage works should you be involved in a collision with an uninsured driver, call one of our attorneys at 1-800-228-9159. Call your agent beforehand. It is better to have such coverage and not need it than to need it and not have it.