The Importance of Uninsured Motorist Coverage

Auto insurance is a critical safeguard for all drivers. In Georgia, as well as most states, auto liability insurance is a legal requirement that can help pay for losses you cause to others with your vehicle.

However, despite the law, some drivers still drive without liability coverage. If such a driver causes an accident with you, they won’t have the insurance to pay for your losses. Uninsured motorist insurance can help protect you in these instances and assist with covering your losses.

What Is Uninsured Motorist Coverage?

Uninsured motorist insurance is designed to cover the risk of being involved in an accident with an at-fault driver who lacks proper insurance. It can also help cover hit-and-run incidents when the at-fault party is unidentifiable.

Specifically, uninsured motorist coverage can help pay for your medical expenses, lost wages and physical damage costs due to an uninsured driver. It’s important to review your unique policy to understand exactly what’s included.

Why Do I Need It?

As mentioned earlier, uninsured motorist insurance can help cover your losses when the at-fault party cannot. If an uninsured driver causes an accident, you can file a claim with your insurance and receive payment for your losses. Without this coverage, you may be left without financial recourse to cover the accident expenses.

Is It Required?

Uninsured motorist insurance isn’t required by law in Georgia, but it is in some states. However, if you have a car loan, your lender may require this coverage as part of the terms. Even when not mandated, uninsured motorist coverage can be essential for peace of mind on the road.

Orbit Insurance & Multiservice can help assess your circumstances and evaluate necessary coverage. Contact us today to learn more about the value of this critical insurance.

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.