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Is Uninsured Motorist Coverage Required in Georgia?

GEORGIA UNINSURED MOTORIST COVERAGE REQUIREMENTS

Georgia requires that all drivers maintain liability insurance. But having uninsured motorist coverage is not mandatory in Georgia. So why would you pay extra for additional uninsured motorist (UM) coverage when everyone already has auto insurance? The simple answer is that it protects you from a driver’s failure to be properly insured.

It is estimated that between 10-30% of motorists are not insured. If an un-insured motorist causes an accident which results in damage or injury to another person, that driver will be held criminally liable for lack of insurance. But that does very little to help the injured person get their medical bills paid or damaged property replaced. The only remedy would be to sue the un-insured motorist, which even if successful, can be a long process. And there is no guarantee the uninsured motorist has the money to pay the damages even if the court determines they should.

Uninsured motorist coverage is a great way to provide protection from the very real possibility that you may be injured in an accident that is the fault of a driver who either does not have insurance, or has an insufficient amount of insurance to fully cover your injuries and property damage. All Georgia insurance companies are required by law to provide uninsured motorist coverage.

If you or a family member has been injured in an accident with an uninsured motorist, contact the experienced insurance attorneys at Randy Scott Slater, P.C. today. Your initial consultation is free of charge, and our attorneys handle car accidents in Decatur, Alpharetta, Marietta, Johns Creek, Jonesboro, and all of metro-Atlanta. Call us today at (404) 888-0500.