Every time you get behind the wheel, you’re trusting that other drivers have enough insurance to cover the consequences of an accident. Unfortunately, many don’t. In Georgia, uninsured and underinsured motorist coverage is designed to protect you when the other driver is unable to provide coverage. Your insurance representative at Atkinson Casey Agency, serving Monroe, GA, explains.
Why Uninsured and Underinsured Coverage Matters
Accidents are stressful enough without discovering that the at-fault driver has little or no insurance. Repair bills, medical expenses, and lost wages can quickly add up, leaving you financially vulnerable. Uninsured motorist coverage helps when the at-fault driver has no insurance, while underinsured motorist coverage steps in when their policy limits fall short of covering your costs.
How This Coverage Works
Imagine a collision where the other driver is clearly at fault. Their insurance might only cover a fraction of your hospital bills or vehicle repairs—or they may not have insurance at all. Instead of draining your savings or facing debt, your uninsured or underinsured motorist coverage bridges the gap. It acts as a financial safety net, ensuring you’re protected when you need it most.
An Added Layer of Security
Georgia drivers know that the roads can be unpredictable. Having uninsured and underinsured motorist coverage is about ensuring financial security. This coverage means you don’t have to rely on another driver’s preparedness, or lack thereof, to protect yourself and your family.
While uninsured and underinsured motorist coverage may not always be the focus of an insurance plan, it plays a crucial role in providing complete protection. Adding this coverage to your policy safeguards you against one of the most common and costly gaps on the road. Have questions about this coverage? Contact your insurance representative at Atkinson Casey Agency, serving Monroe, GA, today to learn more about our services.
