Violating certain laws, even when the violation seems benign or inconsequential, can nevertheless have real consequences for the lawbreaker and the victim. One common example is driving without car insurance. If an uninsured driver caused an accident, their license can be suspended for a year, and may only be reinstated after they purchase insurance. However, a driver hurt by an uninsured driver may never be fully compensated for their injuries.
While Georgia law requires motorists to carry liability insurance for bodily injury and property damage liability, not everyone complies. Some reasons drivers lack insurance are:
Their car runs but is often not driven
Their car is not in drivable condition
The premiums and other insurance costs are too high
And with many Georgians still affected by the sluggish economy, many more may continue to lower or drop their auto insurance. If an uninsured driver in Georgia injures you, you may not be compensated for your medical costs, property damage or lost wages. In the event of a hit and run driver, you may never even know who hurt you. Other times, drivers have coverage that is insufficient to cover your expenses (underinsured).
You can be proactive against the threat of uninsured motorists (UM) by buying uninsured motorist coverage (UMC). Many car accidents cause grave injuries that require expensive medical treatment, so it is advisable to pay the extra costs of UMC.