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Do I really need Uninsured (and Underinsured) Motorist coverage?

That is a great question because as the driving population continues to grow in Georgia, so do the number of drivers without any insurance. In 2015, a full 12% of Georgia’s drivers had no car insurance. Unfortunately, if you experience an accident where the at-fault driver has no insurance, you could be out a significant amount of money including medical bills, lost wages, and property damage. Uninsured Motorist coverage is optional in Georgia if there is no loan on the vehicle. Also, there are two different types of Uninsured Motorist coverage; “Traditional Uninsured Motorist Coverage (Reduced by)” which costs less than the “New Uninsured Motorist Coverage (Added to)”.

Both coverages pay differently whenever you are involved in an accident and the at-fault driver is underinsured. In an underinsured motorist situation, additional financial resources are available if the liability of the at-fault driver is insufficient to cover your medical bills, wages, or property damage. The better option which is more expensive is Added to Uninsured Motorist coverage. It provides up to the full limit of protection over and above the at-fault drivers liability coverage. Reduced by Uninsured Motorist coverage will only pay up to the difference between the at-fault driver’s Liability Coverage and your Traditional Uninsured Motorist coverage. It is important to know that in some cases, Reduced by Uninsured Motorist coverage could render you, as the victim driver with no Uninsured Motorist payout. Please consult with an insurance professional for additional information.

If the at-fault driver has no liability insurance, then both the Added to and Reduced by Uninsured Motorist coverages will pay the same. If there is a lien on your car, the lienholder will require Uninsured Motorist coverage to protect their asset.

What Does a Homeowner’s Insurance Policy Cover?

A homeowners insurance policy will cover property damage to your home and any detached buildings up to the limits of the policy minus your deductible if the damage occurs due to a named peril. It also provides limited coverage to your personal property or contents....

Is Homeowner’s Insurance Required in Georgia?

Homeowners insurance is required ONLY if you have a mortgage on your home. Lenders will require a homeowners policy to be in effect prior to closing on a loan. The lender will periodically verify coverage is in effect during various times during the mortgage term....

Should I Get the Rental Car Insurance When I Rent a Car?

Should I Get the Rental Car Insurance When I Rent a Car?

We strongly recommend our clients purchase separate car rental insurance offered by the rental companies because it provides for more than just the repair of a vehicle that sustains damage because of an accident. Even if you have a personal “full coverage”...

Car Rental Coverage: To Have or Have Not?

Car Rental Coverage: To Have or Have Not?

Should I add Car Rental on my auto insurance policy if I own more than one vehicle? Car rental is optional and is only available if you carry comprehensive and collision coverage. Car rental provides a certain amount of money per day credited toward vehicle rental if...

Do I Need Extra Medical Protection in my Auto Insurance Policy?

Do I Need Extra Medical Protection in my Auto Insurance Policy?

The number one reason for bankruptcy is medically incurred expenses and therefore Med-pay, while optional, is a highly encouraged coverage for your auto insurance policy. Med-pay is referred to by some insurance agents as “Cadillac” coverage in that it offers the...

What if my Car is Stolen?

Comprehensive helps to pay for theft of the car itself, stolen car parts or damage caused by a break-in such as a broken window. Comprehensive will pay the Actual Cash Value less a stated deductible. Comprehensive also covers weather-related harm such as hail and...

What is Collision Coverage and Do I Need it?

Collision coverage helps to pay for the repair or replacement of your vehicle if YOU are at fault in an auto accident. Collision will pay the actual cash value to replace or repair your vehicle less a stated deductible. If your vehicle is paid off, collision is an...

What is Covered Under Georgia Auto Liability Coverage?

Auto liability insurance coverage IS REQUIRED for every car or truck that is registered in Georgia. It helps cover the costs of the other driver's vehicle and bodily injuries if you are found at fault in an accident. If you have liability insurance, your insurance...

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Loganville, GA 30052



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Find Out What Brian Linkous Can Do For You!

With over 40 years of combined knowledge and experience, Brian Linkous and his team, Michelle Reagan, and Alexandria Roberson, are here to help you with all of your family’s insurance needs.

Brian Linkous is Affiliated with Lord and Associates