Georgia Adjuster Practice Test

In Georgia, uninsured motorist coverage laws are applicable for claims related to?

1. Bodily injury claims only

2. Property damage claims only

3. Bodily injury and property damage claims

4. Only claims from insured motor vehicles

The correct answer is: Bodily injury and property damage claims

In Georgia, uninsured motorist coverage laws extend to both bodily injury and property damage claims. This means that if an insured driver is involved in an accident with a motorist who does not have insurance, the insured driver can file a claim under their own uninsured motorist coverage for both the medical expenses resulting from injuries and for damages to their vehicle or other property that may have occurred due to the accident. Understanding this coverage is crucial, as it provides financial protection and compensates for losses that would otherwise be unrecoverable due to the at-fault driver’s lack of insurance. This gives drivers peace of mind knowing they have a safety net in the event of an accident with an uninsured party. Other answer choices are limited in scope, focusing only on one type of claim or suggesting that coverage is only for insured vehicles, which does not encompass the full protective measures established by uninsured motorist laws in Georgia.