Georgia Underinsured Uninsured Auto Insurance Tips
When you get into an accident with an uninsured driver, then your minimum liability automobile insurance policy will not help you in the least towards your damages. In order to be covered in such an incident, you need to have uninsured motorist coverage.
As I’ve mentioned, the requirements for bodily injury liability under Georgia auto insurance law are pretty low, so in a bad accident it wouldn’t be too hard for the actual medical costs to go way over the amount of insurance that this person has. This is why under insured motorist coverage is also very necessary.
If a person only has twenty five thousand in bodily injury liability, and the damages are thirty thousand, then their car insurance company will pay for the first amount, and your own will pay for the remaining five thousand dollars. Depending on where you are at, the way this is handled could be different. For example, if insurance law requires that under insured motorist coverage be added on, then it will happen much like this:
If your under insured motorist coverage is for, say sixty thousand dollars, and their bodily injury liability is twenty five thousand dollars, then the two amounts will be put together to make eighty five thousand dollars, and that will be your coverage.
However, in other areas they deduct. If this is the case with you, the with the above coverages, you would only have the sixty thousand dollars of coverage.
As for uninsured motorist coverage, it covers bodily injury as well, although there is no additional coverage to be added to it. If you want your damages to be fixed, then you should have collision coverage.
If there is more than one car on your insurance policy, then you can add more to your coverage by stacking your policies. So, instead of having sixty thousand dollars of coverage, you would have a hundred and twenty thousand.
What Happens In Unisured Motorist Accident in Georgia?
Reader’s Question:
What happens if the person does not have any insurance and he is at fault in an accident in the state of Georgia?
Redford
Thank you for asking.
If the Department of Revenue in Georgia sees that you are uninsured, they will send you a Notice of Lapse Mandatory Liability Insurance Coverage notice through the mail. You will be requested to pay $25 lapse fee and you will be required to show proof within 30 days of the valid insurance coverage.
Your vehicle registration may be suspended if you fail to pay the lapse fee within 30 days of the letter’s date. The owner of the vehicle will need to pay the lapse fee of $25 plus $60 reinstatement fees and show proof of auto insurance if you want to cancel the suspension.
You will not be allowed to drive without insurance and suspended vehicle registration once you receive the notice from the Department of Revenue. If you drive a vehicle without insurance or with suspended registration, you may be subject for additional fees and the vehicle may be impounded if you get caught.
If you get involve in an accident and you do not have an insurance, you will be held personally responsible for the damages that you caused to another driver or car.
You may contact the Department of Revenue in Georgia to give you more information on the penalties given to a person driving without insurance if he/she gets involve in an accident.
Goodluck!
MariCAR
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