I was in a crash in Georgia recently, and it doesn’t look like the other driver had insurance. I asked for full coverage when I took out my policy, so I’m covered, right?
That depends upon what you mean by “full coverage.” Unfortunately, it sometimes takes a serious auto accident to drive home the importance of understanding exactly what is – and, more importantly, what is not – covered under one’s automobile accident insurance policy. You are only covered against damages caused by an uninsured motorist if your so-called “full coverage” includes uninsured motorist insurance (UM). It is not unusual for an injured person to discover, too late, that what they thought was complete coverage against losses suffered in a car accident did not actually include UM coverage.
How can I find out the type of coverage I have?