All too frequently, I consult with people that have been involved in a car accident that has left them seriously injured, but they are unable to recover the money they are entitled to because the person that caused their injuries had insufficient insurance coverage, or even worse, no insurance coverage at all. Do not put your financial future at risk by continuing to ignore your uninsured motorist coverage options. The long-term costs of ignoring your Underinsured/Uninsured coverage can be financially catastrophic.
Underinsured/Uninsured motorist coverage is the way that we protect ourselves from motorists that do not carry sufficient insurance coverage. If you are legally entitled to recover from another person that causes an accident and that person does not have sufficient insurance to pay for the injuries you suffer, an Underinsured/Uninsured motorist policy can help you. You cannot control the amount of insurance that anyone else has, but you can control the amount of Underinsured/Uninsured motorist coverage available to you.
Unfortunately, most people do not know whether they have uninsured motorist coverage and, perhaps most importantly, do not understand what the limits of their coverage are. The “limit of coverage” available under the policy is the amount of money available to you under the terms of the policy. Multiple different variations of Underinsured/Uninsured motorist coverage are permissible under Georgia law, and you may have elected not to have Underinsured/Uninsured motorist coverage. Adding Underinsured/Uninsured coverage is relatively inexpensive, and the benefits can be tremendous should a situation arise where the person who injured you had insufficient insurance on his/her policy.
Please take a moment to contact your agent and request a copy of your insurance binder, including your uninsured motorist policy. Make sure that you understand how much uninsured motorist coverage is available to you. You want to make sure that you have an “add on” policy, which allows you to add your uninsured coverage to any insurance that an at-fault driver might have. This is very useful in situations where the at-fault driver has insurance, but it is less than your medical bills. If you are having difficulty determining what coverage is provided under your uninsured motorist coverage policy, call The Sessions Law Firm at (470) 225-7710 or (478) 254-2665. These few moments can make a world of difference for the future of your family.