Georgia Adjuster Practice Test

Disable ads (and more) with a membership for a one time $2.99 payment

Study for the Georgia Adjuster Test with flashcards and multiple choice questions, each question provided with hints and explanations. Prepare to pass your exam with confidence!

Practice this question and more.

What type of coverage does uninsured motorist protection provide to policyholders?

Only for property damages
For both bodily injury and property damage
Only for rental vehicles
For medical expenses only

The correct answer is: For both bodily injury and property damage

Uninsured motorist protection is designed to safeguard policyholders against the financial repercussions that can arise when they are involved in an accident with a driver who does not carry insurance. This type of coverage provides two primary benefits: it covers bodily injury sustained by the policyholder and any passengers in their vehicle due to an accident caused by an uninsured motorist. Additionally, it offers coverage for property damage resulting from such an accident. This comprehensive approach is essential because it ensures that the policyholder is not left vulnerable to medical expenses and other costs associated with injuries, as well as damages to their vehicle. In states where uninsured motorist protection is mandatory, this coverage serves to fill the gaps left by the absence of insurance from the at-fault driver. Overall, this type of coverage plays a crucial role in providing complete financial protection during accidents involving uninsured motorists.