Category: Under Insured Coverage

Uninsured Drivers Are Everywhere — Is Your Policy Ready?

5/12/2026

When you’re on the road, you expect other drivers are carrying auto insurance. Unfortunately, that’s not always the case.

According to the Insurance Research Council, more than 15% of drivers nationwide are uninsured. In Georgia, estimates range from 12–15%, while South Carolina still has over 10% of drivers on the road without insurance. Even more concerning, many drivers carry only minimum limits that may not fully cover damages after a serious accident.

So what happens if someone hits your vehicle and they either have no insurance — or not enough?

One In Three Georgia Drivers May Not Be Properly Insured – Why Your Auto Coverage Deserves A Second Look

2/3/2026

If you drive in Georgia, there’s a higher-than-average chance the person next to you on the road has little to no car insurance at all. That’s not speculation—it’s backed by data.

Current estimates show 12%–19% of Georgia drivers are completely uninsured, putting our state consistently in the top 10 nationwide for uninsured motorists. That means roughly 1 out of every 6 drivers may have no insurance coverage if they cause an accident.

Even more concerning: when you factor in underinsured drivers—people who carry only minimum limits--about 1 in 3 drivers nationally (33.4%) are uninsured or underinsured based on recent 2023–2025 trends.

This is where Uninsured/Underinsured Motorist (UM/UIM) coverage becomes critical. UM/UIM coverage can help pay for:

Don’t Start Thanksgiving Without These Key Insurance Updates

11/18/2025

With Thanksgiving right around the corner, the holiday rush is officially here—and so are a few seasonal risks worth preparing for. A quick insurance checkup now can go a long way in protecting your home, car, and peace of mind.

Here are four smart steps to take before the festivities begin:

Fast, Cheap, and Dangerous: The Hidden Trap of Buying Insurance Online

9/16/2025

In today’s world, you can buy just about anything with a click so it’s no surprise that insurance companies have jumped on the “buy online now” trend. The idea sounds great: fast, easy, and cheap. But when it comes to protecting your home, car, or business, “fast and easy” often translates to “expensive regrets later.”

Here’s why you should not buy insurance online:

The #1 Problem People Have With Their Insurance (And How to Fix It)

9/9/2025

Most people don’t find out what’s missing in their insurance until after a claim. And by then—it’s too late.
The number one issue is ...

Have you ever thought, "This would never happen to me?"

6/10/2025

2 Out Of 3 People Are Underinsured – Are You One Of Them And Don’t Realize It?

5/13/2025

🛑 66% of U.S. homes are underinsured
🛑 1 in 7 drivers has no insurance at all

Why? Many people either can’t afford full coverage or never revisit their policies as costs rise. That means when disaster strikes, the protection they thought they had falls short.

Here are 3 real-life examples:

Considering Reducing Your Insurance Coverage? Why Thinking “It’ll Never Happen to Me” Could Cost You Thousands

4/22/2025

With insurance rates rising over the past several years, many policyholders are looking to reduce coverage to offset those increases.

While this is understandable, by doing this they are taking on sizable financial risk that they likely can’t cover if the unexpected were to happen. Here are 3 examples:

After A Weather Disaster: Should You Update Your Insurance Coverage?

2/25/2025

The aftermath of a weather disaster like Hurricane Helene can be overwhelming. Once the storm has passed and you begin assessing damage and making repairs, you might be wondering — do you need to update my insurance coverage?

The short answer is: possibly. Here are 5 items that trigger an update:

Why Uninsured and Underinsured Motorist Coverage Is a Must-Have for You

9/5/2024

Have you ever thought about how many people drive vehicles without having insurance coverage?

It's not something at the forefront of your mind until you're the victim of an auto accident where the at-fault party has no insurance coverage.

Unfortunately, this is a reality for many drivers, making it all the more important to have adequate coverage for your own financial protection. Here are 5 reasons why:

Are You Rolling The Dice On Your Insurance Coverage?

6/27/2024

As insurance rates have climbed over the past several years, it has insureds hard pruning coverages to offset those increases.

It's understandable why they're doing that, but it's like gambling with their money.

Many become significantly under-insured when they do that and take on huge financial risk. It takes just one event to financially destroy them, as the following examples illustrate:

Navigating Watercraft Insurance: Are You Sure You Know What You Need To Know?

6/20/2024

Owning or using a watercraft - whether a speedboat, jet ski, or pontoon - can be a source of great enjoyment but it comes with its own set of risks and responsibilities.

It should go without saying that understanding and having the right insurance coverage to protect yourself, your passengers, and your investment is a given.

There are various types of watercraft coverage to consider including:

liability
physical damage
medical pay
uninsured/underinsured boater
towing and assistance

Then there are some key insurance considerations depending on whether you're a watercraft owner or a user:

Why Should You Consider Umbrella Insurance?

2/22/2024

Umbrella insurance serves as an added layer of protection, going beyond the confines of your existing insurance plans.

It acts as a safeguard against significant financial setbacks in situations where you may be deemed liable for damages or injuries to others including: bodily injury, property damage, personal liability, and advertising injury.

Consider the following scenarios:

What If Your Car Is Hit And The Person At Fault Is Uninsured?

12/20/2023

According to the Insurance Information Institute, nearly 13% of drivers countrywide are uninsured (12.9% in Georgia and 10.4% in South Carolina).

Many MORE drivers are UNDER-insured, meaning if they're found at fault in an accident, their policies aren't enough to cover accident-related losses.

What recourse do you have if your car is hit and the person at fault doesn't have insurance?

4 Important Actions To Take During The Holidays To Maximize Your Protection

11/15/2023

The upcoming Thanksgiving holiday formally confirms we're in the busy holiday season, which brings its own unique hazards.

Here are 4 important insurance actions to take to maximize your protection during this festive time:

Have You Ever Thought, "This Would Never Happen To Me?"

11/14/2023

Throughout my career, I've had more clients than I'd like who declined certain insurance coverage only to then experience some tragedy in which that coverage would have provided much needed protection.

While you don't want to over insure your assets, you DO want to make sure your insurance is adequate.

Insurance can be complex and confusing, so do yourself a favor and consult with a local experienced independent insurance agent.

So you can avoid thinking:

"I wish I'd ...."

Don't gamble with your assets. Reach out to me for a comprehensive review to ensure you are adequately covered: 706-726-1446.

Are You Sure Your Auto Insurance Is Adequate?

10/25/2023

I commonly review policies with limits that are alarmingly low and leave the client much too open to financial liability.

This is one of the common mistakes people make when they self-select insurance coverage online.

Here's a prime example:

Do You Have an Updated Home Inventory?

9/5/2023

If you experienced a significant home loss due to a weather disaster as many have in the last several months, how well could you document your property and contents to the insurance company in filing a claim?

The last thing you need is the added stress of trying to list out a detailed inventory after the fact.

Before disaster strikes, take these 5 easy steps to create a detailed and comprehensive inventory of your home and possessions:

Are You Among the Under-Insured Population?

8/24/2023

Numbers of reports indicate that:

· 66% (2 out of 3) of homes in the US are under-insured
· 12/6% (1 in 8) motorists have NO insurance at all

Why does this happen?

In some cases, people can't afford that amount of insurance premium, opt for a lower amount, and take the risk of nothing happening to need it.

BUT in many cases, people don't regularly review their policies. They fail to realize over time their policy coverage doesn't keep up with rising replacement costs and inflation.

What are the consequences of being underinsured? Here are 3 examples:

Do You Have Enough Homeowners Insurance?

6/21/2023

Your home is usually the most expensive investment you will ever make.

Unfortunately, reports show that 2 out of 3 homeowners are UNDERINSURED.

That means they don't have enough coverage to replace their home if it is destroyed.

There are numbers of reasons for being underinsured including the choices you select for your policy coverage.

Don't Make These Common Homeowners Insurance Mistakes!

3/30/2023

When, purchasing a homeowners insurance policy, it's important to avoid these 5 common mistakes in order to ensure you protect your investment:

Insurance Insights