You want to make sure your auto insurance policy adequately protects you and your family in case you are in a collision. More specifically, make sure you have uninsured and underinsured motorists coverage. Over 1.16 million people in the Georgia drive without any kind of liability insurance, and still more only carry the minimum possible coverage of $25,000.00. Our attorneys can help you make sure that you and your family have the protection you need in the event of an auto accident. Contact the Don Turner Legal Team today for a free virtual auto insurance audit.
There is a good chance that any driver you get into a collision with will be uninsured or underinsured. You need to be prepared for this possibility. If the other driver lacks liability insurance or only carries the bare minimum liability coverage, you will not be able to rely on their insurance company to cover your damages or medical expenses. Without uninsured and underinsured motorists coverage, you will have to go through your insurance company or sue the other driver. And if the other driver cannot afford a proper amount of insurance coverage, they likely will not be able to afford to pay damages.
Fortunately, uninsured and underinsured motorists insurance can keep this from becoming an issue. Uninsured motorists coverage will typically help you pay for any property damage or medical bills that result from a collision caused by an uninsured driver, while underinsured motorists coverage will also help cover any bodily injuries you might suffer due to a collision with an underinsured driver. Better yet, adding this coverage to your policy is not expensive at all – on average, it will only cost you 10 to 20 dollars a month.
The Don Turner Legal Team also recommends that you carry a minimum of $100,000.00 of auto insurance coverage and preferably more if you can afford to do so. This will help you save on out of pocket costs in the event of an auto accident.
Although the novel coronavirus (or COVID-19) pandemic is far from over, the United States is on the road to recovery. As governors across the United States relax lockdown measures, and numerous businesses in Georgia are allowed to reopen their doors, many of us are looking forward to traveling on the roads once more. However, you need to exercise caution – although there are fewer vehicles on the road, there has been a sharp increase in auto accidents, and this will only grow worse as people eagerly return to the roads in the coming weeks.
Many Americans are still sheltering in place or working from home, which has made traffic much sparser. Unfortunately, according to the Governor’s Highway Safety Association, the increased freedom on the roads has led to more auto accidents than before. Speeding is the second most common cause of auto accidents, and cars have been going more than 30 percent faster in certain states. It gets worse – according to the National Safety Council, there was a 14 percent increase in traffic fatalities per mile compared to March of last year.
An increase in speeding isn’t the only dangerous driving behavior you need to watch out for. Distracted driving is leading cause of most auto accidents in the United States, and at least one data company has reported a 38 percent increase in cell phone usage behind the wheel compared to pre-lockdown numbers. The same company reported a 20 percent increase in collisions per million miles since the start of the COVID-19 pandemic.
Why are more Americans disregarding the rules of the road and getting into collisions? Some people, like the president of USAA believe it is a case of cabin fever. Others feel that certain motorists have always seen an empty road as an open invitation to drive as fast as they please. Drivers might believe that because there are fewer vehicles on the road, it is less likely that law enforcement will catch them speeding. Unfortunately, this could have terrible consequences for more responsible motorists without the right insurance coverage.
Many of us are excited to return to the roads and resume our normal lives after the COVID-19 pandemic. However, you need to remember to stay safe and mindful as you get back behind the wheel. A collision with an uninsured or underinsured motorist is an event you need to be prepared for, especially at times like this. Contact our law office today and let us help ensure that you and your family have the proper protection before you hit the roads once more.