Deciding which options to add to your car insurance is one of those tasks most of us do not pay a whole lot of attention to at the time we are signing up for insurance coverage.  It is understandable that we gloss over many optional car insurance features.  At the time we are signing up, we don’t anticipate needing the coverage, and we are trying to keep our insurance costs down.

However, while there may be some optional car insurance provisions that you can skip, our Atlanta car accident lawyers advise that every Georgia driver purchase Georgia uninsured motorist coverage.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage will require your insurance company to pay the expenses related to your Georgia car accident, even if another driver was responsible for your injuries.  At first glance it might seem like superfluous coverage since Georgia law requires all drivers to carry car insurance.  While Georgia law does try to protect drivers by requiring everyone to purchase insurance, you cannot be assured that the driver who hits you will have coverage, or will have enough coverage, to pay for your injuries. 

When Would I Need Georgia Uninsured Motorist Coverage?

Generally, there are three scenarios where uninsured motorist coverage could be important to you and pay for the injuries you sustained in an accident.  First, uninsured motorist coverage is important if you are hurt by a person without any car insurance.  Second, uninsured motorist coverage is important if you are hurt by a person who has the minimal amount of car insurance required by law and your injuries are in excess of that amount.  Third, uninsured motorist coverage is important if you are hurt in a hit and run accident and the other driver cannot be identified or located.  In you are involved in any of these scenarios, you would be left to pay your medical and property expenses out of your own pocket in the absence of Georgia uninsured motorist coverage in your automobile insurance policy.

What Should I Do After a Georgia Car Crash?

If you have been hurt in a Georgia car accident, then you won’t immediately know if the other driver has an insurance policy that is adequate to cover your expenses.  It is important to contact an Atlanta car accident attorney as soon as possible after your crash, so that your lawyer can help you.  Contact an Atlanta or Alpharetta  car accident lawyer today at 770.518.1133 or via our online contact form for more information.