uninsured motorist coverage (UM) Tag Archives

One of the main purposes of car insurance is to help make you whole if you are injured in a car accident. However, not all car owners have enough insurance coverage or any at all. Unfortunately, it happens more often that it should – a person gets injured in a motor vehicle accident and suffers serious injury, and the person who caused the accident does not have car insurance. Sometimes, the at-fault driver may have some car insurance, but it’s not enough to wholly compensate the injured victim. So what can the injured person do to make sure they are fully compensated for their injuries? This is where you uninsured or underinsured motorist coverage in your own car insurance policy comes into play.

Georgia law requires that all vehicles have a minimum amount of liability insurance of $25,000 per person and $50,000 per accident for body injury. Unfortunately, many car owners do not comply with this law and are guilty of driving their car on the streets without any car insurance. Even more unfortunate is the person who happens to get hit by one of these car owners and injured as a result. There will be no insurance coverage by the at-fault driver to cover his injuries. Other times, you may be injured in a car accident and even though the at-fault driver has the minimum amount of car insurance, the $25,000 is still not enough to compensate you for your injuries and medical bills.

Uninsured motorist coverage, or UM coverage, is exactly what it sounds like. UM coverage is an option on your car insurance policy that provides you coverage if you are involved in a car accident with someone who does not have car insurance. Underinsured motorist coverage, or UIM coverage, is the option on your car insurance policy that provides the extra coverage you need for when the at-fault driver’s minimum policy does not compensate you fully for your injuries.

The state of Georgia requires all motor vehicle owners to secure minimum liability insurance coverage for their vehicles.This insurance provides for payment for damages in the event the other driver suffers a personal injury in the car accident.However, there is no requirement that motor vehicle owners secure uninsured motorist coverage to pay for their damages if the other driver is at fault and they have suffered a severe personal injury in the auto accident.See Jenkins & Miller Georgia Automobile Insurance Law (2007 ed.) 29:3.

Uninsured motorist coverage has aptly been called “insurance against lack of insurance”.See Jenkins & Miller Georgia Automobile Insurance Law (2007 ed.) 29:1.It is available and recoverable only when the fault causing the car accident is found to be that of the uninsured or underinsured vehicle’s driver.Id.It is an important form of insurance since it allows the injured person to recover their damages.

The purpose of UM coverage “is to place the injured insured in the same position as if the offending uninsured motorist were covered with general liability insurance.”Another way of explaining the purpose of UM coverage is that coverage is available to protect innocent injured drivers against irresponsible drivers who fail to secure coverage for auto accidents.The coverage is not available for the benefit of the irresponsible, but for those injured or caused to incur damages by the uninsured’s negligence.

Articles Tagged with uninsured motorist coverage (UM)

How to protect yourself when the at-fault driver doesn’t have car insurance.

Uninsured Motorist Coverage for Car Accidents