With the new Georgia Uninsured Underinsured Motorist Insurance statute allowing Uninsured Motorist Coverages to be stacked, there has been some confusion in the legal community as to what Georgia Uninsured Motorist coverages are available for collisions occurring after January 1, 2009. Under the statute, the insurance companies are obligated to send out renewal notices 45 days prior to renewal offering the “added on” type coverage that stacks.
Therefore, unless your policy has renewed in 2009, it is unlikely that you have the “added on” type of Georgia Uninsured Motorist coverage that will allow you to stack your Uninsured/Underinsured Motorist coverage that will stack on top of the at fault party’s coverage. In a recent case for a client injured in a car accident in Atlanta, they had already renewed their policy and we were able to stack the at fault driver’s $25,000.00 coverage with our client’s $25,000.00 in Underinsured Motorist coverage to generate a $50,000.00 recovery. If you have serious injury that has a value above the at fault driver’s Georgia insurance limits, be sure to call a knowledgeable lawyer. O.C.G.A. 33-7-11