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Why UM/UIM Coverage Is a Necessary Tool for Financial Security

July 27, 2014

If you are involved in a hit-and-run accident or a collision with an uninsured driver, uninsured motorist coverage provides valuable financial protection. Although Georgia insurance laws do not make uninsured motorist (UM) coverage mandatory, many Georgia drivers take this supplemental form of coverage, which makes sense given the number of uninsured drivers in our state. The risk of being involved in a collision with an uninsured driver is higher in Georgia than many other states. While national statistics indicate that one in seven drivers is uninsured, the rate is one in six drivers in Georgia.

Uninsured motorist coverage can also provide benefits if you are hit by an underinsured motorist (UIM) coverage- it provides financial protection if you are hit by a driver with insufficient insurance to cover your damages. UIM can compensate critical shortfalls in coverage especially if the other driver is carrying only the statutory minimum of liability coverage for bodily injury. The minimum for liability coverage in Georgia is $25,000 per injury victim and $50,000 per accident. If you suffer a severe debilitating injury, this coverage might be inadequate even to pay your short term medical bills. UIM can make up the shortfall between your medical bills and the coverage of an underinsured driver. Both UM and UIM coverage can protect you from the risk of having to pay out of pocket for medical bills if you are involved in a collision with an uninsured or underinsured driver.

Our Atlanta uninsured driver accident attorneys at Montlick and Associates have provided some reasons that you should have UM/UIM coverage:

  • Medical expenses are covered (up to your policy limit) for medical costs that exceed the at-fault driver's policy limits.
  • Damages resulting from crashes caused by hit-and-run accidents are covered up to policy limits (subject to some requirements).
  • Injuries are covered up to policy limits for damages caused by uninsured drivers.

Under Georgia insurance law, UM/UIM coverage applies only to bodily injury not property damage. If your vehicle suffers damage caused by an at-fault driver without insurance, then the cost of your vehicle repair would be covered under your collision insurance. If you have collision coverage, you would need to pay the deductible, but the cost of repairing or replacing your vehicle would be covered.

The number of drivers without insurance is not likely to fall anytime soon. The percentage of uninsured drivers tends to climb during periods of poor economic condition because motorists divert their limited dollars toward other expenses. Unfortunately, motorists who elect to take their chances are forcing everyone with whom they share the road to join in this gamble. If you carry UM/UIM insurance, you can put the odds in your favor.

If you or a family member has been involved in a collision with an uninsured or underinsured driver, our experienced Atlanta personal injury attorneys might be able to help.

Put Our Law Firm's Over 38 Years of Legal Experience to Work on Your Case

Our plaintiff personal injury 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 Albany, Athens, Atlanta, Augusta, Columbus, Gainesville, Macon, Marietta, Rome, Roswell, Savannah, Smyrna, Valdosta, Warner Robins and 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.