As many laws, understanding Georgia Uninsured Motorist laws is both complicated and confusing.  Unfortunately, some law firms find it challenging.  Howe & Associates are experienced injury lawyers and we make it our business to fully understand the nuances in the Georgia law.  The Georgia code in it’s raw form can be found at O.C.G.A. 33-7-11.

When shopping for coverage, there are a few things you should consider.  Your choices will drive what options you have after an accident.

If you have not done this recently, we advise that you look at your insurance policy declarations as soon as possible.  Take the time to read over those declarations in detail, and if you don’t fully understand the coverage, contact your insurance company for an explanation.  Do your own homework.

Stackable Uninsured/Underinsured Coverage

This is the best type and if you can afford it, buy at least $100,000.00 of this coverage. This coverage is designed to “stack” on top of coverage that is provided by the other driver.  The coverage can be expensive, but you should get a quote and see if it fits your budget.

Non-Stacking Uninsured/Underinsured Insurance Coverage

This is the most common type of coverage, and it does not add or “stack” on top of the other driver’s coverage.  If your insurance is $20,000 and the other driver has coverage of $20,000, the maximum you can receive would still be $20,000 (not $40,000).

No Uninsured Motorist Coverage

A lot of people choose to save money and it is only after they are seriously injured in a car crash that they discovery that “full coverage” does not include Uninsured Motorist Coverage. Review your policy and make sure you have some type of uninsured motorist coverage.

7 Key Things to Know about Georgia Uninsured and Underinsured Insurance

  1. As soon as possible after a crash, you MUST put your Georgia Uninsured Motorist Insurance Company on notice. If you skip this, you may be failing to comply with the insurance contract and void your own coverage.  This is another reason why retaining an experienced injury lawyer immediately is so critical.  An experienced lawyer will guide you thru the process and make sure you don’t skip important steps as your claim is processed.  They also can identify options that are not readily apparent, when dealing with different insurance company coverages.
  2. It’s important that you comply with requests from YOUR insurance company, including requests for recorded statements.  You should NOT however offer recorded testimony to the other guy’s insurance company.
  3. If you live with other relatives that also have a policy, you should determine if you are possibly covered under their policy.
  4. In addition to coverage that you pay for, you are covered under the Uninsured Motorist coverage for the vehicle you are riding in.
  5. If you plan to settle with the at fault driver, make sure you execute a Georgia Limited Liability Release, not a General Release.
  6. The insurance company cannot cancel your policy or non-renewal, unless you have three or more not at fault accidents or Uninsured/underinsured motorist coverage claims in the preceding 36 months.
  7. If you are a pedestrian and struck by a vehicle, your Uninsured Motorist Coverage will apply if the other driver hits and runs or if they had no coverage.