Having uninsured or underinsured coverage can protect you when you need it most. It can offer further coverage when the injuries that you have suffered exceed what the maximum policy is for the other driver’s insurance policy. You may also have the option of making a claim against a policy of a relative if you are living in the same home. Through state laws protection is offered so that you can get the aid you need from the insurance company.
Under O.C.G.A. § 33-9-40 insurance companies are prevented from cancelling your policy or putting on a surcharge to your premium if you make a claim for an accident that you were not responsible for causing. You can also be protected through O.C.G.A. § 33-24-45 which prevents insurance companies from being able to not renew a policy if you are insured and are not at fault or if you make a claim against the uninsured or underinsured motorist coverage, comprehensive coverage, towing and road service coverage or MedPay.