When a Georgian is hit on the road by a negligent driver without insurance, one of two things will happen. If the injured person only carries the minimum amount of auto insurance required by law, he’ll probably be out of luck, since there’s no insurance company to hold liable. If, on the other hand, he carries extra uninsured/underinsured coverage, he could collect from his own insurer.
Uninsured/underinsured coverage is optional in Georgia, as it is in most states, but many drivers carry it. It covers not only the policyholder but anyone who uses the same car and, in most cases, family members who live with the policyholder, whatever cars they use.
This second category, known as “resident relatives,” can be a confusing one. Most of the time a family member who lives with the policyholder will be covered while driving anywhere in any car, but not always. Cases where children or college students live with their parents part time are often gray areas.
Georgia law uses three criteria to determine whether someone who lives away from home qualifies as a resident relative:
- They’re not merely transient visitors.
- They still receive financial support.
- They demonstrate an intent to return home.
If you have specific questions about a possible resident relative, you should contact an attorney familiar with resident relative insurance coverage. A personal injury attorney can provide you the answers relating to this type of insurance coverage.
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