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.
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