I get a lot of questions from clients that have been in serious crashes and they worry that using their medical payments insurance or their Georgia Uninsured Motorist insurance will cause them to have their own car policy canceled. This is untrue unless you exceed the number of claims listed in the statute below. Under O.C.G.A. § 33-24-45(c), the insurance company cannot drop you for claims unless:
You have three or more of the following within the preceding 36 month period:
(1) Accidents involving two or more motor vehicles in which you were not at fault;
(2) Uninsured/underinsured motorist coverage claims;
(3) Comprehensive coverage claims or towing or road service claims.