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Atlanta Car Accident Attorney Explains UM/UIM Car Insurance Coverage (Part A)

No one can predict when they will be injured in a car accident on Atlanta's busy roads. This is why it’s important to have adequate car insurance protection at all times, in the event you are seriously injured and are left with significant medical expenses.

When it comes to car insurance, there are 4 types that every motorist should know about in order to save potentially thousands of dollars. If you are unsure of your coverage and you need to file a claim, you should consult a car accident attorney in Georgia to ensure that your rights are protected.

Uninsured Motorist (UM) Coverage

Even though most states have laws that motorists must have insurance coverage, it doesn’t mean that everyone who gets behind the wheel of a car does. So you run a high risk of facing a severe financial burden if you end up injured in a car accident involving an uninsured driver.

UM coverage provides that protection. It may also be used in the event you are injured in a hit-and-run accident.

The great thing about this coverage is that it can protect your family members as well. And even if you are a passenger in someone else’s vehicle and you are injured, you will be protected.

Underinsured Motorist (UIM) Coverage

Sometimes it isn’t an issue that other drivers don’t have coverage -- it’s that they don’t have enough. Underinsured motorist coverage can protect you in the event your losses are greater than the limits on the other driver’s policy.

For instance, let’s say you sustained head injuries in a car accident caused by another driver’s negligence. If your medical expenses total $50,000, but the other driver’s policy covers only up to $10,000, you have a huge financial gap that must be filled. This is where UIM coverage comes in.

Some states require that you purchase both types of coverage simultaneously. It is usually inexpensive but can go a long way in helping to cover costs associated with your car accident and injuries.

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Shane Smith
Advocate for the Seriously Injured in Georgia