Uninsured Motorist Coverage is an optional coverage in the state of Georgia that protects you if you are involved in an accident caused by a driver who does not have auto insurance, does not carry sufficient coverage, or leaves the scene of the accident.
Georgia law requires all drivers to carry minimum Liability Insurance. However, it is estimated that 9% to 11% of drivers do not comply with this requirement. Liability insurance covers bodily injury and property damage when the insured driver is at fault. When you are involved in an accident, your first option is always to file a claim against the at-fault driver’s insurance.
The issue arises when the at-fault driver has no insurance, has insufficient limits, or flees the scene. In these situations, who pays for your vehicle damage and your passengers’ injuries?
If you have Uninsured Motorist Coverage, you may be able to file a claim with your own insurance company, helping protect you from significant out-of-pocket expenses.
What does Uninsured Motorist Coverage include?
This coverage helps pay for damage to your vehicle and bodily injuries to you and your passengers when the at-fault driver is uninsured, underinsured, or involved in a hit-and-run accident.
It typically includes bodily injury coverage, which helps pay medical expenses and injury-related costs for vehicle occupants, and property damage coverage, which helps repair or replace your vehicle under the same circumstances.
What are the minimum Uninsured Motorist limits?
In Georgia, the minimum limits generally mirror liability coverage limits. These are $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage. These limits represent the maximum amount your insurer will pay if you carry the minimum coverage.
Having this protection can make a significant difference when the at-fault driver cannot pay for the damages they caused. At Calidad Insurance, we help you choose the right auto insurance coverage for your needs. Call us for a free quoteor speak with your agent to better understand your current coverage options.
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