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Articles Posted in UM/UIM Insurance

A car colliding with the rear of another carMany people sign up for uninsured motorist coverage (UIM) and forget about it. Unfortunately, UIM is not something that you can put on autopilot now and forever. Instead, you need to periodically review your policy to understand what is covered and see if changes are necessary. After the holidays and the start of the New Year is the best time.

The Law Does Not Require UIM, But You Need It

In Georgia, the legal requirement is for auto insurance companies to make uninsured motorist coverage available to drivers in every policy. There is no legal requirement for motorists to purchase this insurance, but they have every reason in the world to want and need it. UIM coverage is one area where people may have an inclination to be penny wise and pound foolish. Our very strong recommendation is not to do it.

Red car with dented door and front fenderMany people who get injured in a car accident aren’t eager to sue the at-fault driver. They don’t want to cause financial hardship for someone else, given that it was an accident and not intentional. However, drivers are required to carry insurance precisely so that the victim does not have to bear the financial losses arising from the accident. The other driver’s insurance company should cover the victim’s losses, and in the event of litigation, will provide an attorney to handle the case.

But what if the other driver doesn’t have insurance? These are challenging cases because a lack of insurance often indicates that the other driver doesn’t have any money. Who is going to compensate you for your injuries?

Other Parties May Be Held Liable

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