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It is important to review your insurance coverage periodically. Do you know what the numbers mean?
In Georgia, the minimum coverage is 25/50/25 and since January 2009 a requirement for having uninsured motorist coverage. The first $25,000 is bodily injury coverage for one person injured in the accident; the $50,000 is for ALL injuries in the accident; and the last $25,000
is for property damage liability. Also, you need to know if you have medical AND property damage coverage under uninsured motorist.
Given the current costs of medical treatment and vehicle repair, this would not be enough to protect you in a major accident. That would put your assets at risk. Consider increasing your limits if you just have minimums. $25k worth of coverage for one person injured in a serious accident can be eaten up in a hurry.
Here is my coverage, for example. I have 100/300/50 with 25/50/25 in uninsured motorist. I also have car rental and travel expense coverage. On top of all of this, I have a $2M umbrella policy. My rental coverage costs me $14.40 a year, much less than one day of car rental should I need it, and $2.40 for emergency road service.
This is not to say that everyone should have all of this coverage, but you need to review your limits to make sure you do not have out of pocket expenses in case of an accident. My friend, Paul Locke, can help you with this. Go to www.GeorgiaAutoInsurance.com.