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The Cost of Traffic Accident Related Injuries Makes Underinsured Motorist Coverage a Must

June 26, 2014

When people are injured in a traffic accident, the financial costs of such injuries can be enormous. The economic impact of personal injuries caused by the careless or inattentive conduct of others can drive a family to the brink of bankruptcy. The financial impact of a debilitating injury means that your interests will be best protected by retaining a top Atlanta personal injury attorney to represent your interest. The National Safety Council has provided some helpful estimates in terms of the cost of motor vehicle accident related injuries in the United States.

The National Safety Council (NSC) report covers the cost of both fatal and non-fatal injuries in terms of the amount spent and income lost because of accidents that cause injury and death. The estimates include expenses related to medical costs, wage and productivity loss, impaired quality of life, vehicle repair/replacement and administrative costs.

Average Costs by Severity of Injury in 2012

  • Death $1,410,000
  • Nonfatal Disabling Injury $78,900
  • Property Damage Crash (including nondisabling injuries) $8,900

While these costs may not mirror the calculation of damages in a particular claim or personal injury lawsuit arising out of a car accident because every case is unique and must be evaluated individually based on its facts and jurisdiction, the costs are significant enough to demonstrate the reason that motorists need underinsured motorist (UIM) insurance. The minimum liability coverage for drivers in Georgia is $25,000 per injury victim and $50,000 for multiple victims in an accident. This coverage does not come close to even covering the estimated cost associated of nonfatal debilitating injuries. Underinsured motorist coverage can provide an extremely important supplementary source of compensation when you are injured by a driver without adequate insurance to fully compensate you for your loss.  We recommend that people purchase the highest limits for uninsured motorist coverage that they can.

When you are injured in a traffic accident in Atlanta, you might be entitled to a range of damages that include but are not limited to lost wages, medical care, supportive care, pain and suffering, mental anguish, loss of consortium and even punitive damages in certain cases. The precise types of damages applicable to your situation will depend on the facts, so you should speak with an experienced personal injury attorney who can review the potential damages with you.

If you or someone close to you has suffered injury in an Atlanta traffic accident, our experienced auto accident attorneys at Montlick and Associates have been representing those who suffer serious injuries throughout all of Georgia and the Southeast for over thirty years, including but not limited to all smaller cities and rural areas in the state. No matter where you are located our attorneys are just a phone call away, and we will even come to you. Call us 24 hours a day/7 days a week for your Free Consultation at 1-800-LAW-NEED (1-800-529-6333). You can also visit us online at and use our Free Case Evaluation Form or 24-hour Live Online Chat.

Category: Auto Accidents

Please Note:
Many of our blog articles discuss the law. 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.