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The Importance of Uninsured Motorist Coverage

Jan 10

Written by:
1/10/2013 5:03 PM  RssIcon

Just recently Attorney John Hurst settled a case for policy limits for a client who had severe injuries   However, this client did not have any uninsured motorist coverage.  She thought she did because an insurance agent told her she had “full coverage.” 

Because the at-fault driver did not have any assets to collect on, the case was only settled for the at-fault driver’s policy limits, meaning the most you can get under the at-fault driver’s insurance policy.  It was a good settlement and the client was happy, but we always want to get as much money as possible for our clients to help them.  The case could have been settled for a higher amount if the client had good UM coverage.  We have seen this before, and we want to stress how important it is to make sure you elect to get uninsured motorist coverage when purchasing automobile insurance. 

Uninsured motorist coverage protects you from drivers who are either underinsured or uninsured completely.  There are two types of uninsured motorist coverage available in Georgia.  One is called “added on” uninsured motorist coverage.  This is the type we recommend you purchase.   “Added on” or “excess” coverage provides UM coverage to an injured insured when the at-fault driver's liability coverage is less than the amount of the insured's actual damages.  This type of UM coverage makes it where your available UM benefits are not reduced by the amount recovered under the at-fault driver’s liability coverage.

If you have any questions about uninsured motorist coverage as it relates to a car accident you were involved in, please give us a call.  We are happy to answer your questions.  All consultations are free.  We urge you to check the declarations page of your automobile insurance policy to make sure you have uninsured motorist coverage.  Don’t just rely on what your insurance agent tells you on the phone.  




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The Law Offices of John W. Hurst, P.C. represents clients in the metro Atlanta area, including Smyrna, Vinings, Marietta, Mableton, Kennesaw,Douglasville, Cobb County, Villa Rica, Paulding County, Alpharetta, Fairburn,  Sandy Springs, Fulton County, Roswell, Decatur, DeKalb County, Lithonia, Druid Hills, Dunwoody, Tucker, Duluth, Acworth, Fayetteville, Lawrenceville, Norcross, Chamblee, Snellville, Woodstock, Gainesville, Morrow, Carrollton, College Park, Peachtree City, Riverdale, Newnan, Conyers, Covington, Canton, Milton, John's Creek, Stockbridge, McDonough, Buford, Cumming, Athens, and other cities and counties throughout the State of Georgia.