What do you do if the person who caused the wreck does not have enough insurance?

This is part two of another blog.  If the person who struck your car doing you damage does not have enough insurance, your own uninsured motorist insurance may help.  This is sometimes referred to by the courts as underinsurance.  It comes to your assistance if the negligent party had insurance less than yours.  For example, assume you had medical bills of $40,000.00.  The negligent driver had policy limit of $25,000.00.  Assume you had an uninsured (underinsured) motorist insurance of $100,000.00.  Then, your uninsured/underinsured policy would be available to help cover your damages.  This insurance is also available on occasions to stack coverage on the other parties liability coverage.  This means it would be in addition to the negligent parties liability coverage.  You should contact an personal injury lawyer if you have questions about this issue.  How you handle the claim early in the case can make a large difference in your end result.  Check with your agent and be sure you have uninsured motorist coverage that will allow for stacking in case of a wreck.

Automobile insurance you need on every car!

Uninsured motorist insurance is insurance you need on every car you own.  It is relatively inexpensive compared to the benefit it provides if you ever need it.  In Georgia, it provides two benefits.  One is the true uninsured motorist benefit.  If someone is negligent and strikes your car causing you damage, the next question is do they have insurance to cover the damage.  If they do not have insurance, then your uninsured motorist coverage would pay you for your injuries.  Remember when you talk with your own agent about a wreck, if the other party does not have insurance, you may have bring an action against your own insurance company.  So be aware of this when you are discussing your case with your on agents or adjuster.