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Coverage & Claims

If I hit an uninsured driver, can he go after me for damages?

Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.

Coverage & Claims
General Insurance

Is it necessary to get umbrella insurance with uninsured / uninsured coverage?

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets in the event that you are sued for injury or damage that you may have caused to another party for which you are liable.

Coverage & Claims

What is the difference between stacked and non-stacked uninsured motorist?

The Non-stacked option in Pennsylvania just means that your coverage against uninsured motorist applies up to the limits listed on your policy. The Stacked option means that your uninsured motorist coverage is multiplied by the total number of vehicles listed on your policy.

General Insurance

What is the difference between liability vs uninsured motorist vs comprehensive coverage?

Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance.
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