{"id":5740,"date":"2024-09-19T16:37:42","date_gmt":"2024-09-19T16:37:42","guid":{"rendered":"https:\/\/veloxinsurance.com\/?page_id=5740"},"modified":"2024-09-20T23:40:54","modified_gmt":"2024-09-20T23:40:54","slug":"find-uninsured-underinsured-motorist-insurance-in-georgia","status":"publish","type":"page","link":"https:\/\/veloxinsurance.com\/auto\/find-uninsured-underinsured-motorist-insurance-in-georgia\/","title":{"rendered":"Find Uninsured & Underinsured Motorist Insurance in Georgia"},"content":{"rendered":"
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What is Uninsured Motorist Insurance?<\/h2>\r\n
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Uninsured motorist insurance, or \u201cUM\u201d for short, is like your secret weapon against folks who don\u2019t have any car insurance. Believe it or not, almost one in eight drivers in the U.S. are out there rolling around without a lick of coverage. That\u2019s downright scary! If one of these drivers hits you and it\u2019s their fault, you could end up stuck with a heap of medical bills and repair costs and no one to help pay for them.<\/p>\n

Most of the time, whoever caused the accident (or their insurance) has to cover the damage. But if they don\u2019t have insurance, you could try to take them to court, but that doesn\u2019t help much when the bills are piling up. And if they skedaddle before you can get their info, uninsured motorist coverage can swoop in to help pay for your injuries and damages, up to your policy limits.<\/p>\n

And hey, if you\u2019re looking for a good deal, why not get a cheap Velox quote? It\u2019s a quick way to make sure you\u2019re covered without breaking the bank!<\/p>\n <\/div>\r\n \n\n

What is Underinsured Motorist Insurance?<\/h2>\r\n
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Underinsured motorist coverage, or \u201cUIM\u201d, is there for you when the other driver has insurance, but not nearly enough to cover the mess they made. You might not realize it, but if you\u2019re only carrying the bare minimum car insurance required by the state, you could be underinsured too. If you\u2019re at fault in a crash and your insurance doesn\u2019t cover all the damage, guess who\u2019s got to foot the rest of the bill? That\u2019s right, you do.<\/p>\n

In at-fault states<\/span>, your insurance won\u2019t help you pay for your own injuries and damages if you caused the wreck. All those costs come straight out of your pocket. And once your insurance has ponied up for the other guy\u2019s bills up to your policy limits, you\u2019ll be holding the bag for the rest of those costs, too. Underinsured motorist coverage kicks in after the other driver\u2019s insurance runs dry.<\/p>\n

A lot of folks like to add extra protection to their insurance to make sure they\u2019re not left high and dry after an accident. It\u2019s always a good idea to make sure you\u2019re covered, just in case life throws a curveball your way.<\/p>\n <\/div>\r\n \n\n

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What is the Difference Between Uninsured Motorist Car Insurance and Underinsured Car Insurance in Georgia?<\/h2>\r\n
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Simply put, UM protects you if you\u2019re in an accident caused by a driver who doesn\u2019t have insurance. At the same time, UIM covers you when the at-fault<\/span> driver\u2019s insurance isn\u2019t enough to pay for your damages. Every driver should seriously consider this coverage, whether it\u2019s required or not. The added protection comes at a minimal cost but provides invaluable peace of mind. Check out the differences more in-depth<\/span> below.<\/p>\n <\/div>\r\n \n\n

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Feature <\/th>\r\n Uninsured Motorist Insurance (UM)<\/th>\r\n Underinsured Motorist Insurance (UIM)<\/th>\r\n <\/tr>\r\n
Coverage kicks in when you are in an accident caused by another driver<\/td>\r\n Drivers without any coverage<\/td>\r\n Drivers with insufficient insurance<\/td>\r\n <\/tr>\r\n
Typical situation<\/td>\r\n Hit-and-run<\/span> accidents or accidents with uninsured drivers<\/td>\r\n Accidents where damages exceed the at-fault<\/span> driver\u2019s coverage<\/td>\r\n <\/tr>\r\n
Who pays first<\/td>\r\n Your UM policy<\/td>\r\n The at-fault<\/span> driver\u2019s insurance, then your UIM policy<\/td>\r\n <\/tr>\r\n <\/table>\r\n <\/div>\r\n <\/div>\n\n

How Do UM or UIM Insurance Coverage Work?<\/h2>\r\n
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If you get into a wreck caused by someone who has little to no coverage your own insurance company will step up and help cover the costs, up to your policy limits. So, let\u2019s say you\u2019ve got $25,000 in UIM coverage with a $500 deductible. That means your coverage will pitch in $24,500 to help cover your damages and medical bills\u2014yours and your passengers. In some states, there is no deductible for this type of coverage.<\/p>\n

In Georgia, uninsured motorist insurance is not mandatory, but insurance companies must offer this coverage as an option when you purchase a policy. Underinsured motorist insurance is also available, providing additional protection when the other driver\u2019s insurance doesn\u2019t cover all your damages. If you\u2019re driving in Georgia, you can choose to include uninsured motorist coverage in your policy to enhance your protection.<\/p>\n <\/div>\r\n \n\n

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What\u2019s the average cost of Underinsured and Uninsured Motorist Insurance in Georgia?<\/h2>\r\n
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When it comes to UM\/UIM coverage in Georgia, prices can be all over the place, depending on how you drive, the coverage limits you pick, and where you hang your hat. On average, uninsured motorist bodily injury coverage will run you about $136 a year, and underinsured is around $90. For property damage, it’s about $36 a year for uninsured and $46 for underinsured. So, don\u2019t just settle for the first number you hear\u2014let a Velox agent do the legwork, hunt down quotes, and get you the best deal around.<\/p>\n <\/div>\r\n \n\n<\/div>\r\n<\/div>\r\n\n\n

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Ready to Get a Quick Quote? <\/h2>\r\n
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