Georgia Attorney Explains Benefits of UM/UIM Car Insurance Coverage

There are certain types of car insurance that are especially beneficial to motorists in Atlanta, including uninsured (UM) and underinsured (UIM) motorist coverage. 

Uninsured motorist coverage protects you in the event of a car accident involving a driver without insurance, and underinsured protects you if the other driver doesn’t have enough insurance. This can make a huge difference for your pocketbook if you face significant damages. 

The benefits of UM/UIM coverage include:

  • covering lost wages when your injuries prevent you from working;
  • taking care of medical expenses not covered by health insurance (co-pays, deductibles);
  • covering passengers in your vehicle;
  • covering you as a passenger in someone else’s vehicle; and
  • it's inexpensive. 

Because there is no way to know what types of coverage another driver will have or how catastrophic one’s injuries might be in a car accident, it is best to have as much protection as possible. 

There are other types of car insurance coverage that every motorist in Atlantashould know about. With so many people struggling to pay their bills, many are allowing their policies to lapse, so the more coverage you have, the better protected you are.  

After You Have Been Injured in an Atlanta Car Accident 

When you or someone you love has sustained serious injuries caused by someone else’s negligence in an Atlantacar accident, you should know what your rights are. The Shane Smith Law can provide you with valuable tips on how to protect your case, free of charge including:  10 Mistakes That Can Ruin Your Georgia Wreck Case and Property Damage Guide for Georgia. Contact our offices at (980) 246-2656.