Why does everyone need Uninsured Motorist (UM) Coverage on their auto insurance policy? First, let’s discuss what UM coverage is by comparing it to liability coverage.
Your auto liability coverage sets the limit of what your auto insurance company will pay to injured persons if you cause a wreck. For example, if you have the Georgia minimum liability insurance coverage of $25,000, the most an injured person can get from your insurance company is $25,000.
UM coverage protects YOU if you are injured in a car accident caused by someone else. Let’s say you have UM coverage on your auto policy of $25,000, and you are hit by someone who doesn’t have any liability insurance. Your insurance company then steps in to pay YOU for YOUR injuries, up to $25,000.
We advise our clients to purchase as much UM coverage as possible. UM coverage is much cheaper than liability coverage. Plus, it protects YOU from someone who has no insurance, or not enough liability insurance.
Another Example: Assume you are hurt by a distracted driver who has only the state required $25,000 in liability coverage. If you have an overnight hospital stay, or require surgery, as a result of the wreck, that $25,000 won’t cover your claims. If you have $50,000 added-on UM coverage, then you would pursue the at-fault driver’s insurance company, followed by a claim with your auto insurer under your UM policy. You have purchased insurance to protect YOU from someone else’s bad driving.
If you have been injured in a wreck, you need personal injury lawyers in Coweta County who understand all the intricacies of insurance coverage. Kam, Ebersbach & Lewis, P.C. have the knowledge and dedication, to pursue all sources of insurance and ensure that clients receive the maximum settlements and verdicts that they deserve.