Understanding Underinsured Motorist Coverage in Atlanta
Dealing with car accidents is never easy, especially when you realize the responsible party lacks sufficient insurance coverage. This is where Underinsured Motorist Coverage (UIM) can be a lifeline for residents in Atlanta. In this article, we will break down what UIM is, how it works, and why it’s crucial for Atlanta drivers to consider adding it to their insurance policies.
What is Underinsured Motorist Coverage?
Underinsured Motorist Coverage is a type of auto insurance designed to protect you if you’re involved in an accident with a driver whose liability insurance isn’t enough to cover your expenses. Essentially, UIM steps in to fill the gap between the at-fault driver’s insurance limits and the actual costs you incur from the accident. This is particularly important in Atlanta, where the bustling streets and highways can lead to unpredictable driving situations.
How Does Underinsured Motorist Coverage Work?
If you’re in an accident with an underinsured driver, here’s a step-by-step process on how UIM can help:
- Report the Accident: Immediately report the incident to your insurance company.
- File a Claim: File a claim against the at-fault driver’s insurance first.
- Assessment: If their insurance isn’t sufficient, file an Underinsured Motorist claim with your insurer.
- Coverage Activation: Your insurer covers the remaining costs up to your UIM policy limit.
Why Atlanta Residents Need Underinsured Motorist Coverage
There are several reasons why UIM is particularly relevant for drivers in Atlanta:
- High Traffic Volume: Atlanta is known for its heavy traffic, which increases the likelihood of accidents.
- Uninsured Drivers: Despite legal requirements, some drivers still operate without adequate insurance.
- Rising Medical Costs: Medical expenses and car repair costs can be exorbitant, and inadequate coverage from the at-fault party can leave you vulnerable.
Understanding Georgia’s Insurance Laws
Georgia law requires that car insurance policies include liability coverage. However, state law O.C.G.A. § 33-7-11 only mandates minimum coverage limits, which may not be enough in serious accidents. Adding UIM coverage gives you an added layer of protection.
Types of Underinsured Motorist Coverage
UIM comes in two main types:
- Add-On: This type increases your total available coverage by adding UIM on top of the at-fault driver’s liability coverage.
- Reduced By: This type only pays out if your UIM limit exceeds the at-fault driver’s liability coverage, and it is reduced by that amount.
Common Questions About Underinsured Motorist Coverage
| Frequently Asked Questions | Answers |
|---|---|
| What is the minimum requirement for UIM in Georgia? | There is no minimum requirement; it’s an optional coverage added to your existing policy. |
| Will my premiums go up if I file a UIM claim? | While this depends on your insurer, generally filing a UIM claim shouldn’t impact your premiums as it’s not your fault. |
| Can I sue an underinsured driver? | Yes, you can sue them for any remaining costs, but collecting the amount awarded can often be difficult. |
Atlanta Resources
For more information or assistance, here are some local resources available in Atlanta:
| Resource | Contact Information |
|---|---|
| Georgia Department of Insurance | (404) 656-2070 |
| Atlanta Municipal Court | (404) 658-6940 |
| Atlanta Police Department | (404) 614-6544 |
Contact Jamie Ballard, Your Dedicated Atlanta Personal Injury Lawyer
When facing the complexities of underinsured motorist incidents, it’s beneficial to have a dedicated and experienced personal injury lawyer by your side. Jamie Ballard has a deep understanding of Georgia’s laws and can help guide you through the claims process. With extensive experience dealing with accident cases, Jamie Ballard is committed to ensuring you receive the compensation you deserve.
For tailored legal advice and support, reach out to Jamie Ballard at:
3715 Northside Pkwy NW, Building 100 – Suite 500, Atlanta, GA 30327
Call: 404-301-1687
Visit: jamieballardlaw.com
