Georgia is a fault-based state, meaning that drivers who are injured in a car accident must file a claim with the other driver’s insurance company in order to recover compensation. However, a person may be injured in a car accident and attempt to file a claim, only to discover that the other driver does not have insurance. Or, the other driver’s insurance may not be enough to cover their damages. Although driving without insurance is illegal, many drivers do it. It is important to protect yourself against this possibility — uninsured and underinsured motorist insurance is one way to do this.
Uninsured and underinsured motorist insurance is a coverage plan that is often offered as an optional add-on to a basic car insurance policy. The purpose of this type of insurance is to provide a safety net in the event that a driver who is at fault for a car accident does not have insurance or has insufficient insurance. Opting for uninsured and underinsured motorist insurance is a good way to be sure that you will always be covered if you are injured in a car accident.
The Benefits of Uninsured and Underinsured Motorist Insurance
With uninsured and underinsured motorist insurance, you can feel secure in the knowledge that you will be covered in the event of a car accident. If you are injured because of the negligence of a driver who is uninsured, you should be able to receive insurance benefits.
Uninsured and underinsured motorist insurance can also be very helpful in cases of hit and run accidents. In a typical hit and run accident case, an injured driver may not be able to recover compensation because there is no other driver to file a claim with. However, with uninsured and underinsured motorist insurance, you can file a claim with your own insurance provider and receive coverage.
How Do I Get Uninsured and Underinsured Motorist Insurance?
It is likely that uninsured and underinsured motorist insurance is offered as an add-on to your current car insurance plan. Some insurance companies include uninsured and underinsured motorist insurance in all of their policies, and policyholders must actually opt out if they don’t want this type of coverage. If you are interested in adding uninsured and underinsured motorist insurance to your policy, review your existing plan and contact your insurance provider to inquire about adding this type of coverage.
The Dickinson Law Firm, LLC legal team can help if you or a loved one has been injured in a car accident. Contact us today to discuss the details of your case.
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