Are You an Uninsured/Underinsured Driver?

Atlanta traffic is bad, really bad. We all know it. But, do you know if the drivers around you have car insurance? What about that lady putting on make-up next to you? Or, what about that man jamming out behind you? Even if you are driving safely, these drivers and many others are distracted or just not paying attention. An accident could happen anytime.If it does and the other driver is uninsured or underinsured, you will find out one of two things:1.    An uninsured driver is someone who does not have any insurance, has insurance that does not meet state-mandated minimum liability requirements or whose insurance company denied their claim or was not financially able to pay it.2.    An underinsured driver is someone who meets minimum legal financial responsibility requirements but does not have payment limits high enough to cover the damage caused.So, if the other driver is both legally responsible and uninsured or underinsured, will you be covered? Well, if you have uninsured/underinsured motorist protection, the answer is probably yes. These coverages are separate from your usual auto insurance in Atlanta coverage but can be purchased together.Uninsured/underinsured motorist coverage can pay for injuries to you and your passengers, lost wages if you have to stay home from work due to those injuries and, in some locations, damage to your property.These coverages are available for both personal auto and commercial auto insurance.If you are worried that you are not properly covered to face Atlanta traffic, give Risk & Insurance Consultants a call today. We can be reached at 404-459-5975.