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Stacking Uninsured Motorist Coverage

STACKING UNINSURED MOTORIST COVERAGE

Georgia UM coverage can also provide extra benefits. Since January 2009, it is possible to stack coverage. This means that UM coverage can be added to the amount of the at-fault driver’s liability policy.

Example: You are involved in an accident with an at-fault driver that results in $75,000 of medical bills, property damage, etc. The at-fault driver has only $25,000 of insurance coverage, but you have underinsured motorist coverage on your policy in the amount of $75,000. The total coverage available in such a situation would be $75,000; $25,000 from the at-fault driver’s policy and $50,000 from your UM policy. Also, in addition to the person named on the policy, anyone who resides with the insured is usually covered under the UM policy.

If you have been involved in an accident, don’t attempt to determine your rights to insurance money alone. The experienced personal injury attorneys at Randy Scott Slater, P.C. will meet with you at no charge and fully explain your options. Call our Atlanta office today at (404) 888-0500.