Why You Need to Make Sure that You Have Uninsured Motorist Coverage in Georgia

The Importance of Having Uninsured Motorist Coverage on Your Insurance Policy

If you own and operate a vehicle, you are required to have car insurance. While this adds a monthly expense to your budget, it is well worth the freedoms that owning a vehicle can give to a driver. Not only does a registered and insured vehicle give the driver the freedom to drive, it also allows them to do so with peace of mind in the event of an accident. Unfortunately, we live in a very unpredictable world where anything can happen. An automobile accident could be caused by your own actions, the actions of another driver, either of your vehicles failing to operate properly, or even the weather conditions or conditions of the road itself. In fact, roughly 1.5 million car crashes involving a deer occur every year. Even something as simple as an animal walking across the road could cause a crash and make you thankful that you are insured.

But what if you get into an accident with an uninsured motorist? Some drivers are irresponsible, and choose to drive without having the necessary insurance coverage. Lloyd H. Thomas Law is a personal injury law firm that works with clients every day who have been the victims of car accidents. Today, we would like to discuss the importance of car insurance and particularly the importance of having uninsured motorist coverage in the state of Georgia.

What is Uninsured Motorist Insurance Coverage?

Uninsured motorist coverage is part of your auto insurance that covers you if you are hit by a motorist who does not have insurance. You are not required by law to have uninsured motorist coverage in Georgia, however driving without it poses great risk to you. In the event that you were hit by an uninsured driver, you would have to pay for your vehicle damages and medical bills on your own and then take the other driver to court. Having this coverage will save you the time, money, and stress of having to pay for your damages on your own.

The Difference between Add-On and Reduced-By Coverage

When adding uninsured motorist coverage to your insurance policy, it is important to make this clear distinction. We strongly recommend that you choose “add-on” coverage instead of “reduced-by” coverage. What does this mean?

Add-on coverage allows you to add the amount of uninsured motorist insurance that you have to the other driver’s insurance.

Reduced-by coverage only pays for the difference between the amount that the other driver’s insurance policy pays and your uninsured motorist coverage.

Essentially, add-on coverage will allow you to have a much larger sum of money to compensate you for your damages and medical bills than reduced-by coverage. It is important to note, however, that insurance companies don’t often make it easy to make a claim and receive these funds. If you find yourself in a situation where you may need to make an uninsured motorist claim it is essential to find an experienced personal injury attorney to assist you.

Have You Been in a Car Accident? Contact a Personal Injury Lawyer

Accidents happen, and if you are not the one at fault then you deserve to be compensated fairly for your damages and injuries. Hire a personal injury lawyer to help you through the process and to help you get compensated. Call Lloyd H. Thomas Law at (404) 848-8898 or send him a message today. Lloyd H. Thomas is a personal injury attorney who will help you properly write your claim and settle your case. If you were the victim of a car accident, Lloyd has your back!