George C. Creal, Jr. P.C.

Call Now For A Case Evaluation

(770) 961-5511

George C. Creal, Jr. P.C.

A car accident scene in Atlanta, with "Call Atlanta Injury Attorney" on a board by the road - George C. Creal, Jr. P.C.What Is O.C.G.A. § 33-9-40?

“No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance or cancel such policy as a result of the insured person’s involvement in a multivehicle accident when such person was not at fault in such accident.”

This is a crucial statute in Georgia’s insurance code that governs the standards and procedures for insurance rate-making. This regulation ensures that insurance rates are fair, non-discriminatory, and that the insured are not punished for other driver’s actions.

Why Using Your Uninsured Or Underinsured Motorist Coverage Won’t Affect Your Policy

Georgia law ensures that using your Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage will not lead to the cancellation of your policy or an increase in your premiums. This protection is designed to encourage policyholders to utilize the coverage they have paid for without fear of negative repercussions.

Importance Of Uninsured And Underinsured Motorist Coverage:

Financial Protection

UM and UIM coverage provide critical financial protection if you are involved in an accident with a driver who either has no insurance or insufficient insurance to cover the damages. According to the Insurance Information Institute, about 18% of drivers in Georgia are uninsured, the risk is far too great to not have these coverages. This coverage can pay for medical expenses, lost wages, and other costs related to the accident. If you are in an accident without these insurances, you may be left to foot the bill.

Peace Of Mind

Knowing that you have UM and UIM coverage gives you peace of mind that you are protected in the event of an accident with an uninsured or underinsured driver.

Legal Safeguards

Georgia law (O.C.G.A. § 33-7-11) mandates that insurers cannot increase premiums or cancel a policy solely because a policyholder files a UM or UIM claim. This ensures that you can use your coverage without fear of punitive actions from your insurer.

Why You Should Maximize Your Uninsured/Underinsured Motorist Coverage

Comprehensive Protection

Having the maximum UM and UIM coverage you can afford ensures that you and your family are fully protected against all potential costs arising from an accident with an uninsured or underinsured driver. Medical bills and repair costs can quickly add up, and sufficient coverage can prevent significant financial hardship. Health Insurance does not pay for lost wages and pain and suffering so maximizing your UM and UIM insurance benefits is crucial as well as making sure they stack and are not set off. Insurance companies will go to great lengths to get you to make your UM and UIM benefits set-off and to lower your limits but don’t fall for their tricks. UM and UIM is the cheapest health insurance money can buy in a collision with an uninsured or underinsured motorist and it pays for lost wage and pain and suffering to boot.

Coverage Beyond Minimum Requirements

While Georgia requires a minimum amount of UM/UIM coverage, these limits may not be sufficient to cover all expenses in a serious accident. Opting for higher coverage limits provides more comprehensive protection.

Legal And Financial Security

Enhanced UM/UIM coverage secures your financial well-being and helps avoid legal battles with uninsured drivers who may not have the assets to cover your losses.

Maximizing your Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage is a wise financial decision. It protects you from the high costs associated with accidents involving drivers who lack sufficient insurance. By investing in the highest coverage limits you can afford, you ensure comprehensive protection for yourself and your loved ones, providing peace of mind and financial security on the road.


George C. Creal

Call Now For A Case Evaluation
(770) 961-5511