Read This Before You Cut Your Georgia Auto Insurance Coverage

Auto Insurance Coverage. The economic impact of the coronavirus pandemic has caused a lot of people to look for ways to cut down on expenses. Unemployment has increased in Georgia, and despite economic stimulus checks disbursements, many continue to feel uncertain about the future. Unfortunately, some have decided to modify or cut their auto insurance policies completely in order to lower their monthly expenses. If you have done this or are thinking about it, it’s important to really understand the risks before you make any changes to your coverage.

While reducing the cost of auto insurance may be a good idea in theory, it can be illegal and more costly in the future. Here is a common scenario to consider. Imagine that you are in the middle of h rush hour traffic and you are driving on Highway 400 in Atlanta. It is very likely that 15 out of every 100 cars around you do not have the necessary auto insurance coverage to protect themselves or you, if they get into an accident with you and it’s their fault. If they cause an accident, there is a one in seven chance that you may be liable to pay for all the damages caused by them. If you are insured, your policy could cover the costs for you, if you are not, you could be looking at a huge bill.


Auto Insurance Coverage: UM / UIM coverage

When people choose to buy the cheapest insurance coverage, they may opt to get the minimum coverage required by law. These minimum coverage policies often don’t fully cover the life or welfare of passengers. It is important to review your auto insurance policy to make sure it covers yourself and your passengers. One benefit to look for is UM/UIM coverage. 

UM coverage and UIM coverage, covers injuries to you and the people traveling with you if they are involved in an auto accident that was caused by a driver who:

  • Has no insurance.
  • Does not have enough insurance to cover medical bills.
  • Was denied coverage by his/her insurance company.

What differentiates both coverage types

  1. UM coverage protects you if your vehicle is hit by an uninsured motorist, or if you are involved in a hit and run. Your insurance will pay medical bills and lost wages for you, your family members and / or other passengers in your car at the time of the accident, up to your
  2. UIM coverage applies when the driver causing the accident has insurance, but its limits are not high enough to cover damage. In this case, the other driver’s insurance would pay first, and your UIM coverage will make up the difference in costs, up to your limits.

When you are involved in an auto accident in which people were injured and/or property damage occurred, the first option for financially recovering the damage is the insurance coverage of the driver who caused the accident. Georgia state law states that all drivers must have at least the minimum coverage but sometimes that’s not enough. For example, if you are involved in an auto accident and the medical bills cost more than $ 25,000 and the at-fault driver has a policy limit of $ 10,000, you have insufficient insurance to cover the damages and injuries.

What should I do after an accident in Georgia if I don’t have Auto Insurance Coverage?

If you are in an auto accident in Georgia and you or the other driver is uninsured, make sure to follow these steps and then contact an experienced Georgia auto accident attorney:

  • Call 911: It doesn’t matter if you have auto insurance or not. The first thing you should do is make sure that all passengers are ok and call 911 to report the accident.
  • Gather information: collect as much information as possible about the accident. You  should gather contact and insurance information from the other driver, and if there are witnesses, ask them for their contact information as well.

    Don’t agree to any settlement offered by your insurance company without first talking to a Georgia auto accident attorney.


  • Take Pictures: after an accident we can forget important details that indicate who was at fault for the car accident, so it is important to take photographs of the accident scene.
  • Call a trusted attorney: you should always carry your attorney’s information in your car so that you can call someone you trust after  an accident. Don’t just call the first lawyer you see on a billboard or TV ad. Make sure you reach out to someone who is experienced and will give your case the attention it deserves. The sooner you contact a trusted attorney, the better your opportunity to make a claim and obtain compensation for the damages, bills, and suffering caused by your car accident in Georgia.

Experienced Georgia auto accident attorneys.

Insurance companies have their tricks to take advantage of your situation and short change you when you make a claim. As expert Georgia auto accident attorneys, Diaz & Gaeta law firm is well versed in the small mistake and details that insurance companies can try to use to deny your claim and compensation for your Georgia auto accident.

If you were not at fault in the car accident and the other driver did not have car insurance, and you lost work days and high medical bills, call us. We can set up your case for success and will seek the maximum compensation for your accident.

Our auto accident team is led by co-founder and partner, Attorney Zach Gaeta, who is trained to assist you in these types of situations. The consultation is free when you call us to discuss an auto accident case. Save our number in your glove box in case you ever need to call us after an accident and if you have been in one recently, call us now and we will evaluate your case.

1 Comment

  1. 13 August 2020
    Maurine Haviland


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