Will my Georgia insurance rates go up if I use my uninsured motorist coverage?
According to Georgia car insurance laws, your insurance company cannot add a surcharge to your premiums, cancel your policy, or fail to renew your policy if you file a claim for an accident you did not cause. Therefore, your rates will not increase if you use your uninsured motorist coverage because this coverage can be used only if the uninsured driver caused your car accident in Georgia.
The purpose of uninsured motorist coverage is to provide protection if you are involved in a car accident in Georgia caused by a party who lacks insurance. Uninsured motorist coverage will also cover any injured occupants in your vehicle. Your Georgia car insurance company cannot punish you for using this valuable coverage you purchased with your Georgia car insurance policy.
Any compensation you receive from your uninsured motorist carrier is an admission you were not negligent in your car accident in Georgia.
Since uninsured motorist coverage is relatively inexpensive compared to the price of your liability policy, it's very important coverage to have, especially considering the fact that many drivers lack car insurance. If you are severely injured by someone who is breaking the law by driving without car insurance, you could suffer losses if you don't have uninsured motorist coverage.
Since Georgia car insurance laws can be complicated, you should consult with a Tyrone car accident lawyer for assistance with your claim. An experienced Tyrone car accident lawyer can help you navigate the Georgia car insurance industry and fight for your rights.
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