When I ask a question about auto insurance to a client that has been involved in a wreck, the first thing I hear is "I have full coverage." Full coverage doesn't mean you are protected. Full coverage typically means your property is protected via comprehensive and collision insurance but many times your family is not protected. How do you protect your family when you are in a collision?
To protect you and your family in a collision with another vehicle, you need uninsured/underinsured motorists coverage. This coverage protects you if the party causing the collision has no coverage or has too little coverage to pay your claim. Most of the time an overnight hospital stay with x-rays or an MRI can easily exceed $10,000 to $15,000 dollars. With minimum liability limits in the state of Georgia set at only $25,000.00, many cases have values that are worth more. Uninsured motorists coverage is worth it. You will not realize how valuable it is until after you have a collision with someone who is uninsured or underinsured and there is little or no coverage to pay your medical bills much less your pain and suffering. Contact your insurer today and get uninsured motorist coverage now if you do not already have it. You will not regret it.