| Uninsured Motorist (UIM) is part of every auto | | | | Same example above: You are rear ended at a |
| policy in Georgia (and most other states too). It | | | | stop sign |
| covers you and anyone in your car during an | | | | |
| accident when you are hit by a hit and run driver, | | | | - Total damage is $150,000 |
| a driver that does not have automobile insurance, | | | | - At fault driver has $50,000 in liability coverage |
| or a driver that does not have enough | | | | - Your policy has $100,000 in Uninsured Motorist |
| coverage. At the end of 2008 the Georgia | | | | coverage (Added On) |
| General Assembly passed Senate Bill 276 | | | | - You will receive a TOTAL of $150,000 (50K |
| (effective January 1, 2009). Now, insured’s | | | | from the other person’s insurance PLUS 100k |
| can choose to elect one of two different | | | | from your insurance) |
| Uninsured Motorist coverages, “Traditional” | | | | |
| (some companies are calling this | | | | Added On Uninsured Motorist coverage is more |
| “Reduced”) or “Added On”. | | | | expensive than Traditional coverage (since, in |
| | | | | some cases the insurance company will have to |
| Traditional coverage provides that you will have | | | | pay out more). We know of several companies |
| coverage UP TO your policy limits, regardless of | | | | that changed their insured’s coverage by |
| the coverage of the person that hit you. | | | | default, even though they may not have desired |
| Example: You are rear ended at a stop sign | | | | this increased coverage. It is important to |
| | | | | review your insurance documents and the level of |
| - Total damage is $150,000 | | | | coverage that you have. |
| - At fault driver has $50,000 in liability coverage | | | | |
| - Your policy has $100,000 in Uninsured Motorist | | | | When choosing the amount of Uninsured Motorist |
| coverage (Traditional) | | | | coverage, keep in mind, Georgia’s minimum |
| - You will receive a TOTAL of $100,000 (50k | | | | coverage laws allow people to drive with only |
| from the other person’s insurance and 50k | | | | $25,000 of coverage. |
| from your insurance). | | | | 1. This part of your auto insurance policy protects |
| | | | | YOU. |
| Added On Uninsured Motorist coverage provides | | | | While each person’s situation is different, |
| coverage IN ADDITION to the coverage of the | | | | most of our clients have at least $100,000 of |
| person that hit you. | | | | Uninsured Motorist coverage……. |
