Understanding Underinsured Motorist Coverage in Georgia

Underinsured motorist coverage is designed to help pay for your expenses if you’re in an accident caused by a driver whose insurance limits aren’t high enough to cover your damages. In Georgia, while drivers are required to carry minimum liability insurance, these limits may not be enough to fully cover medical bills, lost wages, or vehicle repairs after a serious accident.

How Does it Work?

Here’s how underinsured motorist coverage typically works in Georgia:

• If you’re injured or your vehicle is damaged in an accident caused by another driver, you first file a claim against their insurance.
• If their policy doesn’t cover all your costs, your underinsured motorist coverage can help pay the remaining expenses, up to your policy limits.
• This coverage can apply to medical bills, lost income, and sometimes property damage, depending on your policy.

How to Get Coverage

We recommend underinsured motorist coverage to all Georgia drivers. Martinez Insurance Services is here to help you understand your options. If you have questions about underinsured motorist coverage or want to review your Georgia auto insurance policy, we’re ready to assist.

Contact us today to discuss your coverage needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.