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  • Writer's pictureVictor Jimenez

Georgia Uninsured Motorists Coverage, What are the Differences?



Georgia insurance law requires that we offer and explain to you Traditional Uninsured Motorist Coverage and if applicable, New Uninsured Motorist Coverage. Below is a brief description of each coverage option. Only the policy provides a complete description of coverage(s) and limitation(s). You have the right to select a specific coverage or reject all uninsured motorist coverage(s)in writing. Traditional Uninsured Motorist Coverage a/k/a Uninsured Motorist Coverage-Reduced by At-Fault Liability Limits pays for bodily injury and property damage losses to you and your passengers as a result of an accident with a driver who either has no liability protection and is legally responsible for the injuries or damages, or does not have enough protection to pay the full amount that the injured person is legally entitled to recover as damages.


New Uninsured Motorist Coverage a/k/a Uninsured Motorist Coverage-Added on At-Fault Liability Limits pays for the same bodily injury and property damage losses as Traditional Uninsured Motorist Coverage, however; it provides additional protection that will pay for your damages in addition to the At-Fault driver's Liability Coverage Limits up to your New Uninsured Motorist Coverage Limits. This new coverage is only available on private passenger vehicles. You have the right to purchase Traditional Uninsured Motorist Coverage or New Uninsured Motorist Coverage, if applicable, with limits up to the liability limits of your policy.


Example of New Uninsured Motorist Coverage and Traditional Uninsured Motorist Coverage Claim Payment Calculation

An underinsured driver fails to stop at a red light, hits your car and causes you to have $175,000 in damages. Threat-fault underinsured driver(At-Fault's) has $50,000 of Liability Coverage. Your policy contains $100,000 of Uninsured Motorist Coverage.


NEW UNINSURED MOTORIST COVERAGE (IF APPLICABLE) (This coverage is also referred to as Uninsured Motorist-Added on to At-Fault Liability Limits)

  • At-Fault's Liability Coverage Limit $50,000

  • Your New Uninsured Motorist Coverage Limit $100,000

  • Total Amount of Your Damages $175,000


 
Payment Break Out:
  • At-Fault's Liability Coverage = $ 50,000

  • Your New Uninsured Motorist Coverage = $100,000

  • Total Payment = $150,000

  • Amount Not Covered = $ 25,000

The maximum available coverage in this example was $150,000 (At-Fault's Liability Coverage Limit +Your New Uninsured Motorist Coverage Limit). Please notice that $25,000 of the loss was not covered.


 

TRADITIONAL UNINSURED MOTORIST COVERAGE (IF APPLICABLE) (This coverage is comparable to your current coverage. The coverage is also referred to as Uninsured Motorist Coverage-Reduced by At-Fault Liability Limits)

  • At-Fault's Liability Coverage Limit $50,000

  • Your Traditional Uninsured Motorist Coverage Limit $100,000

  • Total Amount of Your Damages $175,000

Payment Break Out:
  • At-Fault's Liability Coverage = $ 50,000

  • Your Available Traditional Uninsured Motorist Coverage = $ 50,000

  • Total Payment = $100,000

  • Amount Not Covered = $ 75,000





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