Understanding Uninsured Motorist Coverage
Uninsured Motorist Coverage is auto insurance. It protects you and passengers if the at-fault driver has no insurance. It also helps if the driver can't be found, like in a hit-and-run.
Georgia law says all drivers must have liability insurance. But about 12% of drivers don't follow this rule. If an uninsured driver hits you, you might face big medical bills. You could lose income with no way to get money from the at-fault driver. Uninsured Motorist Coverage fixes this. It lets you file a claim with your own insurance instead.
This coverage isn't automatic. Georgia law says insurance companies must offer it with every auto policy. But you can say no in writing. If you don't reject it, the coverage is included. It protects you, your family. And passengers in your car. It also covers injuries if an uninsured driver hits you as a pedestrian or bicyclist.
How Uninsured Motorist Coverage Works?
After an accident, check if the at-fault driver has insurance. If they don't or they flee, file a claim under your Uninsured Motorist Coverage. Your insurance company will look into the claim. They'll review medical records and check damages. These can include medical bills, lost wages, and pain and suffering. The coverage pays up to your policy limits. Limits can range from ,000 to Uninsured Motorist Coverage works like a liability claim. You must prove the other driver was at fault. You also need to show that the accident caused your injuries and damages. Your insurance company may ask for documents. These can include police reports, medical records. And wage loss statements. If they approve the claim, they'll pay damages up to your policy limit. They'll subtract any deductible if one applies. In Georgia, there's no deductible for bodily injury claims. But property damage claims might have a deductible. Policyholders can also choose between
