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CAR ACCIDENT MYTHS SERIES: “UNINSURED MOTORIST COVERAGE ISN’T REALLY NECESSARY?”

CAR ACCIDENT MYTHS SERIES: “UNINSURED MOTORIST COVERAGE ISN’T REALLY NECESSARY?”

Legally speaking, in Georgia you're absolutely right. But as you know, many people do not abide by the law. If you are in an accident with an uninsured/underinsured driver you need to be protected. That's why uninsured/underinsured motorist coverage exists. The truth is that uninsured drivers are out there! In fact, there are approximately 1 in 7 drivers (PDF) in the United States are driving without even basic coverage according to the Insurance Research Council.

What is uninsured motorist coverage? UM pays the medical bills of you and your passengers if you're the victim in a collision involving an uninsured driver.

Underinsured motorist (UIM) coverage kicks in when the at-fault driver has liability insurance, but not enough to cover all the costs.

Many people ask, "Why buy the coverage? I can always sue the driver?" MAYBE, but...

While an uninsured or underinsured driver is still financially responsible, good luck getting a financial settlement from a driver who chose not to buy car insurance, It's likely that most uninsured drivers don't have the money or assets to pay others' medical bills, so suing them won't do much good. That's why UM/UIM coverage is important.

"I don't need UM/UIM because I have health insurance?" MAYBE, but..

UM/UIM offers some important benefits that health insurance probably does not provide. For one thing, it pays your medical bills up to the limit without deductibles or co-pays. In addition, UM/UIM pays for lost wages if you can't work because of injuries, and for pain and suffering.

Jennifer Gore-Cuthbert - Owner & Attorney

Attorney Jennifer Gore-Cuthbert was seriously injured in a collision and experienced firsthand dealing with uncooperative insurance companies. She knows what it is like to feel overwhelmed and under-educated about your rights after a collision. That is why she has dedicated this firm to fighting for accident victims and their loved ones. The goal of The Atlanta Personal Injury Law Group – Gore LLC is to provide you with excellent legal advice, based on our experience in representing injured automobile drivers and passengers from all across the State of Georgia.

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