I heard that uninsured motorist insurance law has changed recently. How does it affect me?
Since January 1, 2009, all new automobile coverage in Georgia has included a revised form of uninsured motorist coverage known as “stacking” coverage. Stacking permits a person injured in a serious auto accident to increase the amount of uninsured motorist coverage to the full amount the injured person purchased, without an offset for the liability coverage of the at-fault driver. On policies prior to that date, the amount a person could receive from their own uninsured motorist coverage was reduced by the amount of coverage the other driver had. So, if you previously had $50,000 in uninsured motorist coverage and the other driver had $25,000 in coverage, the maximum you could receive was $50,000 whereas now you can receive the full $75,000 available under both policies. However, to take advantage of the more favorable rules, you need to do so in writing at renewal time or the old less advantageous rules will apply to you if you are involved in an accident. At Montlick and Associates,
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