{"id":1743,"date":"2008-06-12T12:48:46","date_gmt":"2008-06-12T12:48:46","guid":{"rendered":"http:\/\/localhost:8888\/wordpress\/the_importance_of_uninsured_mo\/"},"modified":"2024-12-17T16:07:03","modified_gmt":"2024-12-17T21:07:03","slug":"the-importance-of-uninsured-mo","status":"publish","type":"post","link":"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-uninsured-mo\/","title":{"rendered":"The Importance of Uninsured Motorist Coverage"},"content":{"rendered":"<p>In our personal injury practice we are oftentimes astounded at the lack of understanding by the public of the important nature of uninsured motorist coverage.  Many people do not know what uninsured motorist coverage is.  Regrettably, many people learn what it is too late to benefit from such important insurance coverage.<\/p>\n<p>In order to get license tags to lawfully operate a vehicle in Georgia, the motorist must have a minimum of $25,000.00 in liability insurance coverage per person, $50,000.00 per accident.  What this means is that if a motorist runs a stop sign and injures an individual, they must have liability insurance coverage that will pay a minimum of $25,000.00 in damages to the injured individual.  As anyone knows with today\u2019s rising medical costs, however, if anyone is seriously injured, $25,000.00 will not be adequate to compensate the injured individual much less pay medical expenses.  Thus, an uninsured motorist can even include those who are underinsured as the term uninsured motorist under Georgia law includes both motorists who have no insurance coverage whatsoever, that being their insurance policies have lapsed or have been cancelled or never procured to begin with and those who have minimal coverage but have far less coverage than is needed for damages caused by their negligent acts..<\/p>\n<p>Uninsured motorist coverage applies to a situation where someone is injured by an at fault motorist who either has no insurance at all or has minimal insurance coverage which is insufficient to address the damages caused by the negligent acts.  If a drunk driver is illegally driving with no insurance and seriously injures someone, there is no insurance through the drunk driver and there will be no insurance for the injured individual unless they were prudent enough to purchase uninsured motorist coverage to protect themselves.  Uninsured motorist coverage protects the injured individual through their own policy as uninsured motorist coverage is a part of everyone\u2019s policy should they choose to purchase it.  While it is not required to be covered as part of one\u2019s policy, under Georgia law it is very important that if the family\u2019s budget can afford it, that optional uninsured motorist coverage should be purchased.<\/p>\n<div class=\"read_more_link\"><a href=\"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-uninsured-mo\/\"  title=\"Continue Reading The Importance of Uninsured Motorist Coverage\" class=\"more-link\">Continue reading<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>In our personal injury practice we are oftentimes astounded at the lack of understanding by the public of the important nature of uninsured motorist coverage. Many people do not know what uninsured motorist coverage is. Regrettably, many people learn what it is too late to benefit from such important insurance coverage. In order to get [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[44],"class_list":["post-1743","post","type-post","status-publish","format-standard","hentry","category-personal-injury-wrongful-death","tag-personal-injury"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Importance of Uninsured Motorist Coverage &#8212; Trial Attorney Blog &#8212; June 12, 2008<\/title>\n<meta name=\"description\" content=\"In our personal injury practice we are oftentimes astounded at the lack of understanding by the public of the important nature of uninsured motorist &#8212; June 12, 2008\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finchmccranie.com\/blog\/the-importance-of-uninsured-mo\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"The Importance of Uninsured Motorist Coverage &#8212; 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