Uninsured Motorist coverage

Most drivers fear, with good reason, a traffic crash with an at-fault driver and neither the driver nor vehicle owner carries automobile liability insurance. That’s why many Georgia drivers choose to purchase uninsured/underinsured (UM/UIM) motorist coverage. A serious accident caused by an uninsured or underinsured vehicle that does major damage to your vehicle or badly injures you or your passengers could lead to significant financial problems. UM/UIM coverage provides a means for an automobile accident victim to be reimbursed for property damage or injury caused by an uninsured or underinsured at-fault driver or vehicle owner. With the recent enactment of Georgia Senate Bill 276, there is very important information regarding an additional choice in the UM/UIM coverage that you need to know. Currently, when you purchase UM/UIM coverage and are in an accident with an "underinsured" vehicle, the at-fault party’s liability insurance coverage may be deducted from your UM/UIM coverage when determining the amount of your UM/UIM coverage available to pay for injuries and property damage. Starting in 2009, a new coverage option will be available in addition to the two current options. Choosing the new option will give you additional coverage if an "underinsured" driver or vehicle is responsible for your damage or injuries.