Understanding Uninsured Motorist Coverage in Georgia <\/h2>\n\n\n\n
So, does Georgia require uninsured motorist coverage? According to state laws, uninsured car insurance is not part of the legally required vehicle coverage in the Peach State<\/a>. However, it is an optional component of auto insurance policies. <\/p>\n\n\n\n Uninsured\/underinsured motorist coverage (UM\/UIM) is designed to protect drivers in the event of an accident with a motorist who does not have insurance or whose insurance limits are insufficient to cover the damages incurred. <\/p>\n\n\n\n This coverage can provide significant support should you be in an accident where the at-fault driver belongs to one of the following categories: <\/p>\n\n\n\n While uninsured\/underinsured motorist coverage is not a requirement in Georgia, insurance companies are legally obligated to present this option to policyholders when they renew or get a new policy. This gives you the chance to consider it for your protection! <\/p>\n\n\n\n Let\u2019s say you are cruising down Peachtree Street in Atlanta when suddenly someone in a big truck runs a red light and hits your right front end. You spin around and wind up on the grass. Meanwhile, the truck speeds off down a side street. You didn\u2019t get a license plate number and your vehicle is smashed. How will you pay for repairs and the costs of getting your whiplashed neck looked at by a doctor? <\/p>\n\n\n\n Investing in UM coverage allows you to secure compensation for medical expenses, rehabilitation costs, pain and suffering, and other related losses that arise from an accident with an uninsured motorist. <\/p>\n\n\n\n This proactive measure not only safeguards your financial well-being but also provides peace of mind on the road, knowing that you have a layer of protection should the unexpected happen. <\/p>\n\n\n\n To help you make the right decisions regarding uninsured motorist coverage in Georgia, it is crucial to consider a few key things: <\/p>\n\n\n\n Ultimately, it is up to you to decide if UM or UIM is right for your situation. It may be helpful to know that it is relatively cheap for the protection it offers. The average cost for this add-on is 3-5% of your total premium. For a policy that costs $600, that is $30 extra dollars.\u00a0\u00a0<\/p>\n\n\n While uninsured\/underinsured motorist coverage is optional, drivers must be aware of other types of Georgia mandatory auto insurance that address different aspects of vehicle protection. If you’re unsure which types of car insurance<\/a> suit specific driving situations, below are other types of vehicle coverage you should consider as a motorist in Georgia. <\/p>\n\n\n\n Most people picture liability insurance when they think of car insurance. This coverage kicks in when you’re found at fault for an accident, taking care of the other driver’s medical expenses and any property damage that might have occurred, up to your policy limits. Note that your liability insurance doesn\u2019t cover your medical bills or vehicle repairs, no matter the circumstances. <\/p>\n\n\n\n Collision insurance<\/a> covers repairs when your vehicle collides with another car or a stationary object like a tree or guardrail. Unlike liability insurance, collision insurance ensures your vehicle is protected, no matter who\u2019s at fault in the accident. However, someone must be driving your car at that time for the coverage to apply. <\/p>\n\n\n\n Comprehensive insurance<\/a> offers an even wider range of protection for your vehicle. It takes care of damage from incidents such as theft, vandalism, fire, and even natural disasters like floods or hurricanes. <\/p>\n\n\n\n It keeps your vehicle safe even when it\u2019s not being driven, giving you peace of mind against unexpected events that could arise in Georgia that cause damage or loss. <\/p>\n\n\n\n Saving money on insurance premiums may sound great, but choosing reduced coverage can have serious and upsetting consequences for you and your family. If something unexpected happens\u2014like a big accident\u2014you could discover that the financial help you need to get back on your feet is inadequate, affecting your family’s comfort and peace of mind. <\/p>\n\n\n\n Luckily, with Velox Insurance, you won\u2019t have to navigate these insurance decisions alone. Whether you come from the charming corners of Savannah, the vibrant streets of Atlanta or a more rural location, we are here to simplify the process of comparing quotes, discovering coverage, and getting on the road with confidence. <\/p>\n\n\n\n Check us out today using our online quote tool<\/a>, stop by one of our local offices<\/a>, or call us at (855) 468-3569<\/a>! <\/p>\n","protected":false},"excerpt":{"rendered":" The answer is no, uninsured motorist coverage is not required in Georgia. But that answer comes with a large warning: This type of coverage may be your only financial protection if someone with no insurance causes a wreck, damages your vehicle and injures you or your passengers. Drivers in Georgia may not fully realize the […]<\/p>\n","protected":false},"author":1,"featured_media":10546,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10544"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10544"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10544\/revisions"}],"predecessor-version":[{"id":10547,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10544\/revisions\/10547"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10546"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
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What are the Benefits of Opting for UM Coverage? <\/h2>\n\n\n\n
Making an Informed Decision on Uninsured Motorist Coverage <\/h2>\n\n\n\n
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<\/figure><\/div>\n\n\nOther Types of Auto Insurance to Consider in Georgia\u00a0<\/h2>\n\n\n\n
Liability Insurance <\/h3>\n\n\n\n
Collision Insurance <\/h3>\n\n\n\n
Comprehensive Insurance <\/h3>\n\n\n\n
Make Sure You\u2019re Protected on Georgia Roads with Auto Insurance <\/h2>\n\n\n\n