Uninsured motorist (“UM”) coverage is one of the most important coverages you can buy on your own insurance policy. It provides protection in the event that you, or anyone else considered an insured under the policy, is injured by a driver who either has no insurance or not enough insurance to pay all of the damages. Georgia law only requires that drivers carry bodily injury coverage of $25,000 per person and $50,000 per occurrence. These minimum limits are seldom sufficient to adequately compensate someone who has been injured in an accident. Worse yet, some drivers don’t have any insurance at all. A 2012 study revealed that approximately 12% of the motorists in Georgia are uninsured.
If you or a loved one are involved in an accident with a driver who has little to no insurance, it is important that you have adequate UM coverage to provide an available source of recovery for your damages. You should carry as much UM coverage as you can reasonably afford, but at a minimum, you should try to have limits of at least $100,000 per person and $300,000 per occurrence. Also, make sure that your UM coverage is added-on, or excess, coverage, so that it will apply in addition to whatever coverage the at-fault driver has.
Check your auto policy today to make sure you have adequate UM coverage. Don’t wait until it’s too late.