What You Need to Know About Insurance Add-ons in GA

Each state has its own laws that govern the insurance division. One state may allow certain coverage types while another makes them optional to have. The state of Georgia has some unique laws that govern the add-on of Uninsured Motorist coverage. In order for you to make the right decisions about this coverage, there are some things that you will want to know. 

Getting to Know Uninsured Motorist Coverage in Woodstock, GA

Uninsured and Underinsured motorist coverage is something that you can either accept on your auto policy or reject in Georgia. Your choice will dictate what you can and cannot do in an accident situation. And the choice you make will determine if you pay a lot for insurance or have a much cheaper policy. Here are some things to think about when making your choice.

  • You have the option to stack coverage if you add the option to your policy. This means you can stack your coverage onto the other driver’s amount to pay for your injuries. The non-stacking option limits your payout to the limits of the at-fault party.
  • Once an accident happens you must notify your insurer immediately, so the Georgia Uninsured Motorist Insurance Company is ready to act. 
  • Other insurance policies that passengers own may also cover you if you have stacked coverage.
  • Settlements with the at-fault driver must be handled with a Georgia Limited Liability Release. 

This add-on coverage in Woodstock, GA is very important to understand. If you have questions about this coverage type, then please call us at Peter Laczko Insurance Inc. We have the knowledge to advise you of your options. We look forward to helping you with your insurance needs.