The issue of how many different Uninsured/Underinsured policies might provide coverage and in what order. After a Georgia car accident, injury victims often find that the driver who caused the crash does not have enough insurance and have to seek a recovery for their damages from their own insurance company. Georgia law requires that insurance companies allow policyholders to purchase uninsured motorist coverage (UMC). This coverage allows an injury victim to obtain adequate compensation if they are involved in a serious car accident. Although the law provides this safeguard, there are many instances where an insurance company denies coverage. These situations may lead to a contentious and complex dispute over the availability of coverage.
An issue that often arises is whether the liability policy provides coverage to a driver under more than one liability policy. This often occurs when an injury victim tries to evoke coverage under a policy while they were operating another person’s vehicle, with permission. In most cases, the non-owner is an additional insured party under the policy. However, courts will look to the totality of the circumstances to determine whether the policy affords coverage. The court will consider the driver’s status, the vehicle’s owner, and the coverage limits under the policy.
UMC disputes between insurance providers and policyholders or injury victims often arise when there are issues regarding stacking coverage, selection or rejection of coverage, liability limits, insurance off-sets, and exclusionary provisions. In these cases, the contentions generally involve various principles, statutes, and rules of law. However, ultimately, courts must evaluate the case’s nuanced factual details before deciding whether coverage is appropriate.