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Bob, When I renewed my car insurance recently, my agent asked me if I wanted to keep my current rates for uninsured motorist coverage, or increase them in exchange for a new type of “excess” coverage. Is this worth the money? It’s not only worth the money, it’s absolutely necessary to go with the “excess” coverage. Uninsured or Underinsured Motorist…
Bob, I was injured earlier this year when a truck hit me at an intersection. I’ve since learned that this was a county-owned truck and the driver is a county employee. Will the fact he was working for the county at the time affect my claim against this driver? Quite...
I was hit by a uninsured driver last week, and my policy says it may be possible to “stack” my uninsured motorist policies. What is this referring to? Stacked insurance refers to combining, or “stacking,” different car insurance policies to increase your total coverage if you’ve been injured in a wreck. This may occasionally apply to liability insurance, the insurance…
Bob, I was struck by a hit-and-run driver. I have more than $25,000 in medical bills so far, and about $50,000 in uninsured motorist coverage. Can I still recover from my insurance if I have no idea who hit me? Fortunately yes. This is the exact kind of scenario that uninsured motorist coverage (UM) is designed to protect. You were…
Bob, I was hit by a driver and so far I already have more than $10,000 in medical bills after surgery. It was the other person’s fault but apparently he is totally uninsured. Luckily I carry Uninsured Motorist Coverage up to $25,000, which I plan on using but I’m told I’ll need an attorney. This struck me as odd. It’s…
Bob, I was hit by another driver and my attorney was able to settle for all of the $25,000 liability policy the driver carried on his car insurance. But this barely covered my medical bills for some minor surgery. Now my health insurance has notified me that, since I recovered money from the person responsible, they want that money to…
Bob, My employer has explained to me that my health insurance coverage is not subject to Georgia law because it’s a self-funded plan. Instead, it’s governed by some federal regulations called ERISA. What’s this all about? Your employer is referring to the Employee Retirement Income Security Act. And if that sounds more like a set of federal pension regulations, well…