Underinsured/Uninsured Policy Requirements in Georgia

andrew-worley-301402-copy-300x200Driving without the proper amount and kind of car insurance is against the law in Georgia. Despite that fact, many drivers take the risk and operate their cars without the needed insurance. Not only do drivers have to protect themselves and others by getting insurance before driving, but they should also consider insurance in the event they are in an accident with another driver who is uninsured or underinsured. An Atlanta car accident lawyer can help answer any questions about what exact kinds of insurance are best for you.

As will be demonstrated below, the required minimum for insurance coverage in Georgia is just a beginning. According to Georgia law, the following are the limits needed to operate a car in Georgia:

  • Bodily injury liability: $25,000 per person and $50,000 per accident;
  • Property damage liability: $25,000 per person;
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident;
  • Uninsured motorist bodily injury: $25,000 with varying deductibles.

What does this mean for the average driver in Georgia? It means that the minimum standard for insurance is very low.

The Minimum and Damages

Just imagine that you were in a devastating car accident while driving from work in Atlanta to a nearby suburb. Then take another look at the required minimums and ask yourself whether those will cover all the damages that likely will ensue. Those damages will include loss of value to your car (or loss of the car itself), hospital bills, time off from work, pain and suffering, and much more. What is a driver in the Atlanta to do?

One answer to this question is to think about upping the liability coverage amounts on your own policy. By doing this, if you are in an accident with an underinsured or uninsured driver, you can feel better about being covered for the damages that happen. To reap the benefits of an underinsured/uninsured policy, certain requirements must be met. This is why you need a great Atlanta car accident lawyer by your side if you have been in an accident.

Georgia Court of Appeals Rules on Underinsured Policy

This was the lesson that the victim of a car accident in Georgia recently learned. That case, Silva v. Liberty Mutual Fire Ins., involved a woman who was in an accident with several people in 2012. The person who caused the accident carried the minimum required amount of liability insurance, and as a result, that minimum was spread over eight different individuals. The amount was not enough to cover the damages that the woman sustained.

Four years after the accident, the woman notified her insurance company about the deficient coverage, and made a claim under her own underinsured policy. The problem with that claim, however, is that both the policy and Georgia law require the victim of an accident to notify their insurance company about the accident, and provide them with relevant documents so they can be prepared to pay an underinsured claim, should it arise. As a result, she was stuck with the damages.

Contact a Great Car Accident Attorney Serving Atlanta

If you are the victim of a car accident in the Atlanta area, contact a great car accident attorney serving Atlanta. When you contact us at The Angell Law Firm that is exactly what you will find. We look forward to hearing from you, and helping you with your case. Contact us today.  

(image courtesy of Andrew Worley)