The Consumer Awareness Guide to Buying Car Insurance in Georgia

The Consumer Awareness Guide to Buying Car Insurance in Georgia Review

Ty Wilson is a personal injury attorney who has written a guide to purchasing automobile accident insurance in Georgia, including uninsured/underinsured motorist coverage. Mr. Wilson believes that the insurance companies have conspired to keep consumers "in the dark" about uninsured and underinsured motorist coverage-both of which can make a significant difference in a serious accident in which litigation becomes necessary.

Wilson presents scenarios to show how quickly the minimum auto insurance coverage can run out in the case of a serious injury. For example, he describes a case in which a 37-year-old woman on a motorcycle was critically injured in a collision with a driver who was talking on a cell phone. The at-fault driver had Georgia minimum insurance coverage and very few assets, so was essentially "judgment-proof." His insurance coverage wasn't enough to cover even one week of the injured motorcyclist's hospitalization. The plaintiff in this case thought she had "full coverage," but her ,000 in uninsured motorist coverage wasn't enough to cover the series of MRIs she needed once she got out of the hospital. She suffered further set-backs because of lost wages, but had no legal recourse since the defendant had no assets. If she'd had better UM/UIM coverage, it would have helped her.

Wilson recommends readers buy as much as they can afford- and suggests 0,000. He gives rate quotes from a few different insurance companies to show that the significant increase in coverage over the legal minimum does not cost significantly more in premiums.