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What is UM Insurance?

Last Updated on August 10, 2021 by Theodore Spaulding

In this video, attorney Ted Spaulding defines UM insurance and how it works in the state of Georgia. He also explains why it is important to have. 

What Is UM Insurance?

Hi. I’m Ted Spaulding. I’m Atlanta personal injury trial lawyer and I’m the founder here at Spaulding Injury Law.

So UM insurance is a very, very important topic when you’ve been in a wreck, whether it’s a motorcycle wreck, an automobile wreck, a tractor-trailer wreck, and a pedestrian wreck, by the way. UM insurance is very, very important and you’ve got to know what it is your lawyer has to be looking for. There could be multiple UM policies involved and therefore you really need to know what’s going on.

Well, UM insurance, UM stands for uninsured or underinsured motorist coverage. So that is when either the at-fault driver who has injured you has no insurance at all or what comes up often, they have insurance but not enough to cover the full value of your claim. So let’s say they only have minimum coverage, which, in the State of Georgia, is 25,000. They injure you, you have to go to the hospital, you have a 15-day hospital stay, you have real long-term damages, your lawyer determines, after months and months of treatment, that your case is probably worth $300 000 plus. Well, there’s only $25 000 in insurance, so what do you do? That’s why you need UM insurance. You need to know what’s out there. You need to know where to find UM coverage because it can add on top of the $25,000 that the at-fault party has to provide more compensation for that $300 000 value that your case may have. So really important insurance.

It’s your insurance. It’s on your automobile. It’s on your motorcycle. It’s on your ATV, whatever. It’s on your RV. I’ve had an RV case before. It is something you purchase. It’s a separate line item on your auto policy. You don’t have to have it in the State of Georgia, so a lot of people don’t have it. You pay a separate premium from the liability side. And again, it’s there to protect you and your family when you’re injured by someone else, because you don’t know what kind of insurance they’re gonna have. So UM insurance, very, very important.

If you don’t know if you have it and don’t know where to look to see if you do, reach out to an attorney. It’s really, really important. I hope this answers your question. Comment to this video if you have any additional questions about this topic or if you’re looking to talk to an attorney about a potential case, you want to see if our firm can handle it, comment to the video. Go to our website. We have a contact form there. That’s spauldinginjurylaw.com. Or give me a phone call, two phone numbers for you, 770-744-0890 or 470-695-9950. Thanks so much for watching this video.

Theodore Spaulding, attorney

For over 15 years, Mr. Spaulding has helped victims of negligence across the state of Georgia resolve personal injury disputes, and he’s received a remarkable number of awards and honors from the legal community recognizing his commitment to clients and to the metro-Atlanta area.

As an undergraduate, Mr. Spaulding belonged to the Phi Beta Kappa honors fraternity at the University of Georgia, and he obtained his legal training at the Georgia State College of Law, where he clerked for the Honorable Judge Rowland Barnes of the Fulton County Superior Court. Mr. Spaulding has also worked for the Securities and Exchange Commission’s Atlanta Enforcement Division. Since 2005, he has dedicated his career to helping the injured victims of negligence and their loved ones win justice in Georgia’s personal injury courts.