Okay, unemployment is up to 10% in GA last time I checked, and the majority doesnt have the money to spend on insurance. Consequently, many of us are lowering our coverages to the minimum requirements. However, we can pay a hefty price for that in the end. Read this:
Originally posted On: May 5, 2008 by Christopher Simon
Uninsured/Underinsured Motorist Coverage under Georgia Law
I cannot emphasize enough how important it is to have Uninsured and Underinsured Motorist coverage in Georgia. In 11 years of practicing as an Atlanta injury lawyer, I have found that the people that cause the most devastating injuries in automobile collisions tend to be uninsured and underinsured drivers. Bad drivers tend to have a lot of speeding tickets and prior collisions and cannot afford decent coverage. As a result, the at fault driver did not have enough liability insurance to repay my clients for the medical bills they incurred and the injuries they sustained.
Most drivers in Georgia operate with the minimum mandatory limits of $25,000.00. That may seem like a lot of money but that's only if you have not been to the hospital recently. For example, in Metro Atlanta, the typical ambulance ride costs $600.00, the Emergency room visit is at least $800, X-Rays cost around $250, an MRI is $1100, a CT scan can cost $2000 and so on. Even a modest trip to the emergency room usually costs around $2,000.00. Then there can be mountains of bills from physical therapy and medications. In short, even a simple auto accident case with sprained muscles that requires an ER visit and physical therapy can leave a person with over $5,000.00 in bills. If there are any broken bones, the value of the case in front of a jury quickly grows to over $25,000.00.
Now imagine you have been in an accident in Roswell, Georgia and a driver has totaled your car by negligently failed to leave enough following distance. You have gone to the hospital and learned that you have a herniated disc in your neck that is going to need surgery. The total cost for your medical expenses will be well over $45,000.00 which does not even include the amount of income you will lose for missing work during surgery and recovery. You make contact with the at-fault driver's insurance company and learn that the driver only had $25,000.00 in coverage and is not a wealthy person. Reality is that there may be no recovery for you beyond the $25,000.00. As your grandmother told you, you cannot get blood from a stone.
That is where Georgia Uninsured/Underinsured Motorist insurance coverages play a critical role. I suggest that everyone carry at least $100,000.00 in liability and $100,000.00 in Uninsured Motorist coverage. In Georgia (for the time being, there are big changes afoot in the legislature) if the situation described above occurred, you could collect the $25,000.00 from the at-fault driver and then another $75,000.00 from your own insurance company. In essence, the UM coverage "pretends" to be the insurance for the at fault driver. You are buying insurance that protects you from drivers with low end policies. And guess what coverages most bad drivers have? Yep, that's right, they have minimum limits policies because they get into frequent accidents and cannot afford more coverage. The bottom line is you cannot afford to go without the coverage. As an Atlanta injury lawyer I insist that my clients increase their coverage to at least 100/300 after they meet with me. Although it does not work retroactively, you would be shocked how many people have other crashes in the years to come.
Posted by Christopher Simon
http://www.atlanta-injury-attorney-blog.com/2008/05/uninsuredunderinsured_motorist.html
Friday, August 28, 2009
Thursday, August 27, 2009
Jokes about Insurance
Car Insurance Excuses
The other car collided with mine without giving warning of its intention.
The accident occured when I was attempting to bring my car out of a skid by steering it into the other vehicle.
I was driving my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before.
Coming home, I drove into the wrong house and collided with a tree I don't have.
The indirect cause of this accident was a little guy in a small car with a big mouth.
As I approached the intersection, a stop sign suddenly appeard in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.
The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.
An invisible car came out of nowhere, struck my vehicle and vanished.
I thought my window was down but found it was up when I put my hand through it.
To avoid hitting the bumper of the car in front, I struck the pedestrian.
A pedestrian hit me and went under my car.
The pedestrian had no idea which direction to go, so I ran him over.
I saw the slow-moving, sad-faced old gentleman as he bounced off the hood of my car.
source:http://www.workjoke.com/insurance-agents-jokes.html
The other car collided with mine without giving warning of its intention.
The accident occured when I was attempting to bring my car out of a skid by steering it into the other vehicle.
I was driving my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before.
Coming home, I drove into the wrong house and collided with a tree I don't have.
The indirect cause of this accident was a little guy in a small car with a big mouth.
As I approached the intersection, a stop sign suddenly appeard in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.
The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end.
An invisible car came out of nowhere, struck my vehicle and vanished.
I thought my window was down but found it was up when I put my hand through it.
To avoid hitting the bumper of the car in front, I struck the pedestrian.
A pedestrian hit me and went under my car.
The pedestrian had no idea which direction to go, so I ran him over.
I saw the slow-moving, sad-faced old gentleman as he bounced off the hood of my car.
source:http://www.workjoke.com/insurance-agents-jokes.html
Tuesday, August 25, 2009
Keeping Car Insurance Costs Low - For Dummies
Check out this site for tips on keeping your insurance rates low!
Keeping Car Insurance Costs Low - For Dummies
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Keeping Car Insurance Costs Low - For Dummies
Shared via AddThis
Saturday, August 22, 2009
Texting while driving is dangerous, as graphically pointed out in this PSA
Texting while driving is dangerous, as graphically pointed out in this PSA
Check out this video and article, gives a very graphic way to defer people from texting while driving. For those of you who have kids who do this, you may want to show them this video.
Posted using ShareThis
Check out this video and article, gives a very graphic way to defer people from texting while driving. For those of you who have kids who do this, you may want to show them this video.
Posted using ShareThis
Thursday, August 20, 2009
Wednesday, August 19, 2009
Thursday, August 13, 2009
Introduction
Hello, and welcome to my newly created blog!
To introduce myself, my name is Amanda Huddleston, and I am the owner of Betterment Insurance. I currently have two offices in NW Georgia, with another to open towards the end of the year. Our goal at Betterment Insurance is to provide a fresh look at insurance, with creative marketing strategies, and most of all; friendly, helpful service.
My goal for this page is to share useful articles, information, funny stories, good advice, and more, all related to the property & casualty aspect of insurance.
I hope you enjoy what you find here, and please follow to see updates!
To introduce myself, my name is Amanda Huddleston, and I am the owner of Betterment Insurance. I currently have two offices in NW Georgia, with another to open towards the end of the year. Our goal at Betterment Insurance is to provide a fresh look at insurance, with creative marketing strategies, and most of all; friendly, helpful service.
My goal for this page is to share useful articles, information, funny stories, good advice, and more, all related to the property & casualty aspect of insurance.
I hope you enjoy what you find here, and please follow to see updates!
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