Uninsured and Underinsured Auto Insurance in Gainesville GA
At Best Auto Insurance in Gainesville, GA, we understand how important it is to stay protected against every possible scenario on the road. One of the biggest risks? Getting into an accident with a driver who either doesn’t have insurance or doesn’t have enough. That’s why we offer comprehensive uninsured and underinsured insurance in Gainesville, GA—to give you peace of mind and financial protection.
What is Uninsured and Underinsured Motorist Insurance?
Uninsured motorist insurance (UM) and underinsured motorist insurance (UIM) are types of optional coverage that protect you when the at-fault driver’s insurance isn’t enough to cover your expenses. This can include medical expenses, lost wages, pain and suffering, and more. If the at-fault driver has no insurance at all, your UM coverage steps in. If they have coverage, but it’s not enough, UIM makes up the difference.
How Does This Coverage Work?
- Uninsured Motorist Coverage (UM): Pays for bodily injuries, medical expenses, and lost wages if you’re hit by an uninsured driver or a hit-and-run.
- Underinsured Motorist Coverage (UIM): Fills the gap when the at-fault driver’s liability insurance doesn’t cover the full extent of the covered loss.
- Applies to 25,000 per person / 50,000 per accident standards if applicable in your policy.
Why You Need It in Georgia
The state of Georgia follows a fault-based system which requires the insurance of the at-fault driver to cover damages. But what if they can’t pay? Uninsured underinsured motorist coverage stands as a necessity in Georgia because more than 12% of drivers lack insurance coverage.
The optional coverage provides protection against costly medical expenses and vehicle repair or replacement costs for all vehicle ownership types.
What’s Covered
- Medical Expenses Lost Wages
- Pain and Suffering
- Damage to Your Car
- Peace of Mind in a financially secure recovery
The coverage is particularly important if you choose to go with full coverage or comprehensive auto insurance, as it will protect you from the types of coverage gaps that other policies may leave behind.
Why Choose Best Auto Insurance?
Our company stands apart from typical insurance providers. Our team consists of local experts who provide Gainesville, GA drivers with the best vehicle coverage options. Our company provides customized insurance policies with clear pricing and exceptional customer support to help you maintain your safety and peace of mind.
Ready to Get Started?
Best Auto Insurance in Gainesville, GA provides uninsured and underinsured insurance to protect you and your family while maintaining your safety as our top concern.
📞 Call Best Auto Insurance at (770) 532-2878 or (866) 378-4196
💻 Or request a quote online to start saving now
FAQs: Uninsured & Underinsured Auto Insurance in Gainesville, GA
- What is uninsured motorist (UM) coverage?
UM coverage pays for your injuries and expenses if you’re hit by a driver with no insurance or in a hit-and-run accident. - What is underinsured motorist (UIM) coverage?
UIM coverage helps when the at-fault driver’s insurance isn’t enough to cover your medical bills or damages. - Is this coverage required in Georgia?
No, but it’s strongly recommended. Over 12% of Georgia drivers are uninsured. - What does UM/UIM insurance cover?
Medical expenses, lost wages, pain and suffering, and repairs to your vehicle. - Should I get UM/UIM coverage if I already have full coverage?
Yes. Full coverage may not protect you if the other driver can’t pay. UM/UIM closes that gap. - How much coverage should I get?
Many policies follow a $25,000 per person / $50,000 per accident limit. Speak with your agent to choose the right amount for your needs. - How can I get a quote?
Call (770) 532-2878or request a quote online to get started.