in Law by Matthew Myers
Uninsured Motorist (UM) insurance protects the insured against those driving with a lack of insurance. It places the injured party in the same position as if the offending driver had liability insurance. It can also help the insured if the other driver does have liability insurance but it is insufficient to cover the damages caused by the accident (an underinsured driver). Although Georgia does have a statute requiring insurance providers to offer UM coverage, drivers do not have any legal requirements to carry Uninsured Motorist insurance. It is a good idea to carry UM coverage though, because you never know when you might be involved in an accident with an uninsured/underinsured driver. By the time you do know the other driver is uninsured, it is too late.

There are three types of Uninsured Motorist insurance; the first covers the insured party against damages caused by an uninsured driver. Therefore, if you get in an accident with an uninsured driver, your UM insurance will pay the damages, up to your policy limit, that the other driver’s liability insurance normally would have paid. But your Uninsured Motorist coverage will only pay out if you were not the party at fault.

The other two types of UM insurance deal with underinsured motorists. The first only pays out to the insured if his/her UM coverage is greater than that of the uninsured/underinsured driver’s liability insurance. For example, if you were involved in an accident and the at-fault driver had liability insurance in the amount of $75,000, but the damages caused to you amounted to $100,000, your UM insurance would not cover the excess unless you were carrying more than $75,000 in Uninsured Motorist coverage. The second type of UM insurance stacks with whatever liability insurance is available. If both you and the at-fault driver have $100,000 in coverage, your UM insurance is available to cover any costs above the $100,000 liability, up to your own $100,000 limit, for an aggregate of $200,000.

If you have a need for a personal injury attorney in Macon or anywhere in Georgia, call the Macon Law Firm of Lovett and Myers. Attorney Matthew Myers & Attorney Bob Lovett are ready to help you with any law issues you face. Contact us today.

About Matthew Myers

Matthew is a Partner with Lovett & Myers, LLC in Macon Georgia. Lovett & Myers is a trial law firm specializing in Business, Zoning, Environmental, Real Property, and Personal Injury Litigation.