All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.
What car insurance should I get in Georgia?
Georgia law states that all drivers must meet the minimum required insurance policy limits of $25,000 bodily injury liability insurance and $25,000 property damage liability insurance. We recommend purchasing additional the coverages detailed below.
Georgia, like most states, has a required minimum policy for any driver. Georgia law also requires that you always be offered uninsured/underinsured coverage by your insurance company. However, recent studies indicate that as many as 14% of all drivers on the road may be uninsured–and Georgia’s rate of uninsured drivers is estimated to be over the national average. As personal injury lawyers, we highly recommend purchasing this additional UIM/UM coverage.
What is Uninsured Motorist Coverage?
Uninsured motorist coverage is coverage that you purchase. If you are injured in an accident and the other driver does not have insurance or enough insurance, then, your own insurance company “steps into the negligent driver’s shoes” to compensate you for your injuries and damages.
This type of coverage can only be denied if you sign a document refusing to buy the coverage. Too many times in our experience, the worst drivers do not have insurance because the cost of the insurance is more than they can afford to pay. For example, if a driver has a history of accidents, speeding tickets and other traffic violations, he/she may be deemed a “high risk driver” by insurance companies. High risk drivers are usually forced to pay high premiums for less coverage, if they can afford coverage at all.
In short, if you are involved in an accident with an uninsured driver, a hit and run driver, or even if you are injured as a pedestrian, you will have to rely on your own uninsured motorist coverage for medical treatment, lost wages, pain and suffering and other damages.