What is the importance of Uninsured Motorist (UM) Coverage?
What is Uninsured Motorist (UM) Coverage?
In Atlanta, Georgia, the city’s traffic has become increasingly dangerous with continuous accidents occurring from morning commutes to work and continuing through the commute back home in the evening. With Atlanta’s current population of 5.6 million residents, it is safe to say that there will be individuals that do not have vehicle insurance coverage also known as uninsured motorist (UM).
Add-on UM insurance coverage allows for the injured victim of an auto accident to have their insurance pay for the injuries sustained as a result of the accident with an uninsured motorist. The presumption of only needing liability insurance can negatively affect you because it only provides you with a limited amount of protection. Though important, liability insurance only protects other drivers on the road from accidents that were caused by the insured. But UM coverage protects you from other drivers.
What does Uninsured Motorist (UM) coverage do for me?
Add-on UM coverage protects you from individuals who a.) are inadequately insured b.) are uninsured or c.) fled the scene after the accident occurred (i.e., hit-and-run). If you are to ever get in an auto accident with an individual who is uninsured or involved in a hit-and-run, then your Add-om UM coverage will take place of the at-fault party’s liability coverage and cover your damages that were stated in your policy limits. Essentially, you’d be protecting yourself from other individual’s negligence.
When you are pursuing a personal injury claim against your UM coverage, you would be creating a first-party claim rather than a third-party claim. A first-party claim involves a filing against your own insurance provider versus a third-party claim that is filed against the other party’s insurance.
In such scenarios where the at-fault party does not have insurance, the main source of compensation for the damages obtained will be the UM coverage that the affected party obtained from their insurance provider.
How do I determine the amount of Uninsured Motorist (UM) coverage I should get?
You can purchase Add-on UM coverage through your current vehicle insurance carrier. UM insurance works similarly to how liability coverage functions. For example, if your personal injury provides coverage of up to $100,000, then you may want to purchase your UM coverage for $100,000.
Additionally, Add-on UM coverage also protects you in the case that the other party involved has a lower amount of limits on their vehicle insurance. Imagine that an individual is hurt from an auto accident and they have Add-on UM coverage of $100,000 with ABC Insurance. The driver who caused the accident, the at-fault party, has a liability policy limit of $50,000 with XYZ Insurance. XYZ Insurance will only pay $50,000 in damages and the rest of the damages would be covered by ABC Insurance through your Add-on UM coverage.
It is important to be able to properly determine the amount of Add-on UM coverage for various scenarios that can occur when commuting in Atlanta or anywhere. If you have been injured in an auto or trucking accident, call your Georgia Buddy at Holston & Huntley, LLC at 1-844-422-8339 (Ga-Buddy). Call us today to schedule your FREE consultation. We can help and you don’t pay unless we recover money for you!
You can count on Buddy and Abena they are awesome. Abena was wonderful, she showed concern for me through my case. Abena walked me through this process like she knew me a long time. I promise you I felt good knowing I was being guided by someone who really cared their staff is awesome. I give them a 10+. Thank you guys, Especially, Abena
My experience with Holston & Huntley attorneys was nothing short of excellent. I worked directly with Abena. She worked hard to get the settlement that I deserved. Continued to stay in contact and keep me updated throughout the long process. Would recommend and work with them again. Thanks Holston & Huntley!
Attorney Huntley and his entire staff was instrumental in getting me everything I deserved. Their patience, kindness, and loyalty to fight for my needs at a critical time proves why they are such a fantastic firm. I would highly recommend them for any of your needs. I personally, will call Mr Huntley if I’m ever in another accident.
I was never anxious despite being in this situation for the first time and all the credit goes to you and your firm because you care and know what you are doing.Thanks.
I don’t usually leave reviews on anything but I thought I needed to share my experience with Holston & Huntley. It was great! Very quick and efficient. Buddy and his staff were awesome. I personally worked with Abena and she was always available to answer any question I had. I highly recommend this firm to anyone who needs a professional lawyer that would fight to get you the best settlement you deserve. I promise you won’t be disappointed!! Thank you, Buddy, Abena and staff for all of your help.
Holston & Huntley entire team was great to work with!!! Thank you so much
Thank God For Experience Help When I Needed It The Most.
Effective Service, So Far I’m 6 Month’s Into It And CONFIDENT It Is Well, I’m So Grateful.
Thank You All..
Atty. Huntley and his Staff, were very patient and understanding of my situation. They took the time to explain to me all of my options and helped me consider this best possible course of action. I am a Retired Senior and I felt very comfortable with the recommendations. After an initial and lengthy consultation, I followed all of his recommendations and I haven’t look back since! It was truly a joy to have him in my corner and no more phone calls from Creditors!!!. Thanks Me. Huntley!
I would use them again and again!
He got my case finalized in a timely manner, very professional, communicates very well, kept in contact with updates of my case , got me the amount I wanted for my accident and injury case! I am very pleased with him and his firm!
- Holston & Huntley LLC @HolstandHuntLLC When “Life Happens” we are here to help. If you have been Seriously INJURED in an Auto or Trucking accident, Call U… https://t.co/HbzhvpwgJmHolston & Huntley LLC @HolstandHuntLLC Political candidates always claim that they are going to help those facing financial stress, that usually doesn’t w… https://t.co/C5cIB9QR1Y