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What is the Difference Between Uninsured and Underinsured Coverage? | Atlanta Car Crash Lawyer

One of the most important types of insurance coverage Georgia drivers can have is uninsured and underinsured motorist coverage. As an injury lawyer, I see cases every day where there is simply not enough money to cover all of the damages from a serious car accident. If my clients have uninsured/underinsured coverage, they are still able to obtain the compensation they deserve.

  • Uninsured insurance coverage comes into play if you are hit by a driver who does not have car insurance. Unfortunately, people drive on the roads every day without valid coverage. It is estimated that as many as 1 in 7 Georgia drivers do not have insurance coverage. If you have uninsured motorist coverage on your own policy, this will protect you in the event of a collision with an uninsured driver.
  • Underinsured motorist coverage protects you if there is not sufficient insurance by the at-fault party to compensate you for all of the damages sustained in the accident. The minimum coverage that insurance companies can sell you in Georgia is $25,000. If the driver who caused your wreck only has the minimum limits, $25,000 is all you can recover. This is rarely enough to cover all of the medical bills, lost wages and pain and suffering caused by a serious accident. Underinsured motorist coverage will provide you additional compensation if you are hit by a driver who only has the state minimum limits.

Ty Wilson is a Savannah accident lawyer who provides the public with tons of FREE information on his website He always encourages those who have been hurt or who have family members who have been hurt to FIRST check out his articles, blogs, FAQs, watch his videos and download his FREE books before talking to the insurance company, signing any forms, or hiring a Georgia personal injury lawyer.

Give Ty a call at 1-866-937-5454 if you have specific questions and would like to speak to an attorney.

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