Jason R. Schultz's Blog

Do Not Be a Victim Twice Georgia - Get Plenty of Uninsured Motorist (UM) Insurance

As the economy worsens, more and more people are dropping their car insurance or reducing limits to the state minimum, which is only $25,000 in Georgia.  Insurance.com says it also is seeing evidence recently of more uninsured motorists. It says that as many as 40% of callers following up on online applications had let their previous policies lapse, up from less than 10% a couple years ago.

If you get into a car accident and suffer serious injuries, and the other driver doesn't have insurance or only has liability coverage of $25,000, you want to be made financially whole again. To protect yourself, you must purchase as much uninsured/underinsured motorist protection as you can possibly afford.  Hospital and doctors bills can accumulate very rapidly in a serious injury case, and without Um coverage, you may be left owing those bills yourself even if the wreck was not your fault.

It's usually relatively cheap to add UM coverage to your car insurance, especially considering the amount of protection it offers. It could pay your medical bills, lost wages, and pain and suffering. If someone hits you or your car and is legally responsible for the damages, you won't get any money from them if they don't have money to give you.

Here's how to protect yourself:

1. Make sure you have extra coverage that compensates you if you're hit by an uninsured motorist.
2. Set your own liability insurance amount commensurate with your assets. This amount also helps determine the limit of your uninsured motorist coverage.

The Law Office of Jason R. Schultz PC represents car accident victims throughout Georgia, including Peachtree City, Newnan, Marietta, Decatur, Atlanta who have suffered serious injuries.  If you would like to find out more about these types of accidents, injuries and insurance claims please take advantage of our FREE book entitled "The Ultimate Guide to Injury Cases in Georgia", visit our car accident practice area or call (404) 474-0804; Toll Free (866) 455-4709.   

Labels: Atlanta automobile car accident Free Book Georgia insurance serious injuries UM uninsured motorist