If you're a driver in Georgia and have been involved in a serious accident involving broken bones or crushing injuries with an uninsured or underinsured driver, your injuries, medical bills, lost wages and pain and suffering may far outweigh the value of the person who caused the car crash. You may be considering stacking uninsured/underinsured motorist coverage (UM/UIM) to increase your coverage and protect yourself from the financial impact of the accident.
While stacking UM/UIM coverage can be a smart move, it's important to be careful in how it's done. A skilled personal injury attorney can guide you through the process, review your insurance policy, and determine if stacking UM/UIM coverage is a viable option for your situation. They can also help you navigate any potential legal challenges that may arise during the process. It's important to note that not all insurance companies offer stacking UM/UIM coverage in every circumstance, and even those that do may have specific requirements and restrictions that must be met. A lawyer can help you ensure that you're meeting these requirements and that you're not putting yourself at risk by stacking UM/UIM coverage incorrectly. Additionally, it's crucial to review your insurance policy carefully and understand the terms and conditions of your coverage. Make sure that you understand the specifics of the UM/UIM coverage that you currently have, as well as any additional coverage that you may be considering.
Georgia allows for the stacking of insurance policies of resident relatives in your home as well as separate policies. This means that if you have multiple vehicles in your household insured on different policies, you may be able to stack the UM/UIM coverage from each policy to increase the total amount of coverage available. For example, if you have two vehicles insured on different policies and each policy has $25,000 in UM/UIM coverage, you may be able to stack the coverage to get a total of $50,000 per person and $100,000 per accident. This can be particularly beneficial if you have multiple drivers in your household or if you have a child away at college with their own car insurance policy. However, it's important to note that stacking insurance policies of resident relatives in your home can be complicated, and there may be specific requirements and restrictions that must be met. Working with a lawyer who is familiar with Georgia's insurance laws can help ensure that you're navigating the process correctly and that you're fully protected in the event of an accident. In summary, while stacking UM/UIM coverage can be a smart move for protecting yourself in the event of a serious accident involving an uninsured or underinsured driver, it's essential to proceed with caution and consider seeking the guidance of a lawyer. They can help ensure that you're navigating the process correctly and that you're fully protected in the event of an accident.