What Happens If the At-Fault Driver Is Underinsured in a Georgia Accident?
When a car accident happens, most people assume the at-fault driver’s insurance will cover their injuries. Unfortunately, that is often not the case. Many Georgia drivers carry only the minimum required liability coverage, which may not be enough to pay for serious injuries. When the at-fault driver’s insurance runs out, injured victims are left wondering what options they still have.
This situation is known as an underinsured motorist scenario.
What Does “Underinsured” Mean in Georgia?
A driver is considered underinsured when their liability insurance limits are too low to cover the full cost of the injuries they caused. Georgia law requires drivers to carry minimum liability coverage, but those limits are often exhausted quickly after an accident involving hospital care, surgery, or extended treatment.
Once the at-fault driver’s policy is maxed out, their insurance company has no obligation to pay more. That does not mean the injured person is out of options.
Underinsured Motorist Coverage Explained..
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