Ty Wilson Law Podcast
Ty Wilson Law Podcast
#111 Georgia Personal Injury - What is UM Insurance Coverage?

We are contacted often by people who have been injured and they find out that the at-fault driver either has minimum coverage ($25,000.00) or no coverage.  When the injuries are serious and valued either over the coverage at-fault party has, then what can you do?

You should contact your auto insurance and see if you have UM coverage.  UM coverage stands for uninsured motorist or underinsured motorist coverage.  It is add on coverage that you must either select to include in your auto insurance coverage or you must select that you do not want UM coverage. 

UM coverage is critical if the other driver has no insurance or not enough.  Often times the insurance companies will not let you purchase more UM coverage than liability coverage, but they will let you purchase the same amount.  Is it expensive? No, not relatively speaking.  You see you can not stop the teenager from texting and driving into your and your family, nor can you stop the drunk from drinking and driving.  But you can do everything in your power to make sure you have enough insurance coverage so you are not hurt twice, once physically and once financially. 

If you have questions about Georgia personal injury claims you would like discussed on this podcast, contact us either by phone or text at 912-233-1100.  Stay safe, Ty.

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