Georgia’s Insurance Landscape: A Crucial Overview
In Georgia, while the law mandates that all vehicle owners have minimum liability insurance, it stops short of requiring uninsured motorist (UM) coverage. This gap in the law can leave many drivers vulnerably exposed. Drawing insights from Jenkins & Miller’s “Georgia Automobile Insurance Law” (2007 edition), we explore the significance of UM coverage in the event of an accident involving an uninsured or underinsured driver.
UM Coverage: Your Shield Against the Uninsured
Uninsured motorist coverage is your safeguard against those drivers who lack insurance. It steps in when an uninsured or underinsured driver is at fault, allowing you to recover damages that otherwise might be unattainable.
The Dual Purpose of UM Coverage
UM coverage not only compensates for the uninsured’s negligence but also symbolizes protection for responsible drivers against those who do not maintain mandatory insurance requirements. Its serves to create a safety net for those harmed by the irresponsibility of others.
Understanding Underinsured Motorist Coverage in Georgia
In Georgia, UM coverage extends to underinsured motorist scenarios. For instance, consider a situation where the liable party’s insurance falls short of your damages like medical bills, lost wages and pain and suffering. Here, UM coverage can bridge the gap, offering additional financial protection.
The Intricacies of Policy Limits and Set-offs
When dealing with underinsured motorists, your UM policy may provide a credit or set-off to the liable party’s coverage. This approach, prevalent across many states, essentially reduces your coverage.
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DISCLAIMER: The content on this site is offered solely for informational purposes and might not represent the current law in your jurisdiction. None of the details provided here should be interpreted as legal advice from Fleming & Nelson, LLP or from the individual writer. Additionally, it is not meant to replace professional legal advice. Readers should not base their actions or decisions to abstain from actions solely on the information found in or available through this site. Instead, they should seek tailored legal or other expert counsel regarding their specific situation from an attorney or other professional authorized to practice in the reader’s state, nation, or other relevant licensing area.
Category: Uninsured Motorist Coverage