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What is UM (uninsured motorist) Insurance and do I need it?

First of all I hope you already have purchased the insurance before reading this question and answer and certainly before your automobile accident.

Uninsured motorist insurance is insurance you purchase so that you are covered in case the person who hits you has insufficient insurance to cover your damages. Of course, you must purchase this insurance from the same company you purchase your liability insurance. Common amounts are $50,000, $100,000 and $250,000. It is relatively inexpensive. You must ask for it. Georgia law does not require you to have UM coverage.

If you have damages, due to a neck surgery resulting from an automobile accident, and your medical treatment costs and wage losses mounted to $175,000 and the negligent defendant purchased only $25,000 of liability insurance, if you had $250,000 of UM coverage you could demand your insurance company pay $175,000 minus $25,000 to you in settlement of your claim.

It is amazing how many drivers have minimum insurance coverage ($25,000) or many have no insurance at all. You need UM to protect you and your family if you are seriously injured and you have no group insurance to pay for your extensive medical treatment. Don't wait! Purchase this insurance now!

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