Atlanta Injury Lawyers Blog
The state of Georgia recently enacted a new law that allows the victims of automobile accidents to access more insurance coverage. Under the new law, car owners can purchase uninsured/underinsured motorist coverage that can be “stacked” on top of liability insurance of the driver who caused the accident. This is helpful when you are injured in an automobile accident by a negligent driver and the negligent driver does not have enough insurance to fully compensate you for your personal injuries.
As an experienced Georgia Injury Lawyer, I can’t over-emphasize how important this is here in Atlanta, where many drivers on the road carry minimum insurance limits. What is especially troubling about this situation is that these are usually the very same drivers that cause catastrophic wrecks and do not have the personal assets to satisfy a large judgment against them.
The new law enables you (the injured driver in an automobile accident due to the fault of someone else) to collect the other driver’s liability insurance and then access your own uninsured motorist coverage after the other driver’s insurance coverage is exhausted. Prior to the new law, many Georgia motorists who had paid premiums for uninsured motorists coverage would not be allowed to collect these benefits because their coverage would only “kick in” if the uninsured motorists coverage exceeded the at-fault driver’s liability coverage.
