What is Georgia’s Resident Relative Insurance Coverage?

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resident relative insurance coverage

Sometimes people have questions about Georgia’s resident relative insurance coverage, which may allow a person injured in an accident to use a relative’s insurance coverage in certain situations where they aren’t otherwise covered. However, it is only necessary in some circumstances, and you may have other avenues to pursue compensation. In this article, we’ll take a look at resident relative insurance coverage, as well as other options for covering your damages after an accident.

I’ve Been Hurt In A Car Accident, Who’s Going To Pay These Medical Bills?

This is a common concern. Medical costs go up every day, and even minor injuries can be expensive. At the same time, even good health insurance rarely covers everything. 

Where does resident relative insurance come in? If the at-fault driver’s insurance isn’t an option, and you do not have uninsured/underinsured motorist coverage on your auto insurance policy but live with someone who does, then you may be able to recover under resident relative insurance coverage.

First, you and your attorney should determine if other kinds of insurance coverage are available, as resident relative coverage is only useful when they are not. When you are involved in an accident due to someone else’s error, that party’s auto liability insurance typically covers your bodily injury and property damage. Similarly, in an accident where you are the at-fault party, your auto liability coverage covers the other party’s bodily injury and property damage.

But what happens in the following circumstances?

  • In an accident, you are injured by a driver who has no insurance
  • In an accident, you are injured by a driver whose insurance is inadequate to cover your expenses
  • You are injured in a hit and run accident

If your auto insurance policy includes uninsured motorist coverage, your policy will help you out. Uninsured motorist coverage is part of an auto insurance policy that covers you, your passengers, and your car for bodily injury or property damage when an at-fault driver has no auto insurance. Underinsured motorist insurance provides the same coverage if the other party has insufficient coverage. (Remember that Georgia only requires motorists to carry $25,000 in bodily injury liability per person, and $50,000 per accident, plus $25,000 in property damage liability. If your injuries are serious, you could quickly exceed the coverage limits.) You would file a claim under that policy to recover for your injuries when someone without insurance or with inadequate insurance hits you or if you are injured in a hit and run accident.

And what if you do not have uninsured motorist coverage insurance?

No Uninsured Motorist Coverage

If you do not have uninsured motorist coverage on your auto insurance policy but live with someone who does, then you could recover under resident relative insurance coverage.

Does Uninsured Motorist Resident Relative Insurance Coverage Apply?

To recover under the uninsured motorist coverage of a resident relative, the person hurt in an accident must live in the same home as the person who holds the insurance policy (the insured) and must be that person’s relative. A resident relative:

Is a relative of the insured.

  • Immediate family members, spouses, grandchildren, and grandparents are considered relatives of the injured person.
  • If there is a question about whether a person qualifies as a relative for the purpose of the uninsured motorist policy, an experienced personal injury Atlanta, Georgia attorney like Ali Awad can help make that determination.
  • For example, whether a divorcing spouse is considered a relative depends on the circumstances of the situation and the terms of the insurance policy.

Is a resident of the same home as the insured.

  • The accident victim must live in the same home as the insured: an immediate family member who permanently resides with the uninsured lives in the same home.
  • An experienced uninsured motorist attorney can evaluate whether a child who is away at college or an adult child temporarily staying with you is considered to live in the same household.

The legal team at CEO Lawyer Injury and Accident Attorneys would look at driver’s license addresses, bills, and other records and facts to determine whether someone is a resident of the same home as the insured.

Uninsured motorist coverage also covers “users” of the policyholder’s vehicle regardless of whether they are a resident relative. As long as you have permission to use the other person’s car, whether as a passenger or a driver, you should be able to make a claim on their uninsured motorist coverage. So if you don’t live with your relative, but had permission to borrow their car when the accident happened, you may still be able to make a claim.

Making a Resident Relative Insurance Coverage Claim – Do I Have to Sue My Grandmother?

The thought of making a claim (or suing!) to collect from a family member is daunting. Working with experienced attorneys in negotiating with insurance companies can ensure the process goes smoothly. It’s important to understand that your claim is with the insurance company, not the policyholder. Unless Grandma was driving the car that hit you, suing her is probably not necessary. 

However, you will need to explain to her why you are making a claim on her insurance. It’s important to make clear that using your resident relative’s uninsured motorist coverage will not affect their insurance rates since they (the policyholder) were not at fault for the accident. Remember also that uninsured motorist coverage is designed for this scenario.

Often the insured relative has questions or concerns. An experienced attorney like Ali Awad can help to address these and put your relative at ease with the process.

Contact the Experienced Attorneys at CEO Lawyer to Explore Whether You Can Recover as a Resident Relative

Suppose you have been injured in an accident but are unsure how to recover under the uninsured motorist policy of a resident relative. In that case, the attorneys at CEO Lawyer have extensive experience in making sure you get a fair settlement.

Our experience can help:

  • Determine whether you qualify as a relative and are a resident of the same home as the uninsured motorist policyholder
  • Determine whether your relative’s uninsured motorist coverage can reimburse you for your injuries and car damage
  • Negotiate with your resident relative’s insurance company
  • Explore other options for pursuing compensation if resident relative coverage doesn’t fit your situation (for example, in some situations suing the other driver directly or suing third parties who may have contributed to the accident may be possibilities)

Take the stress and confusion out of trying to recover a settlement. Our injury and accident attorneys are here to help. Contact CEO Lawyer Personal Injury Law Firm for a free consultation.

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Frequently Asked Questions

After a personal injury, you're bound to have legal questions. The CEO Lawyer Ali Awad can provide you with answers to these questions, just as he's given answers to his millions of curious social media followers. Take a look at some of the most common personal injury law questions for general information, and then reach out to one of our seasoned attorneys for specific guidance on your case!

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Help Negotiating with Insurance Carriers

To quickly resolve matters following an accident, insurance companies will offer you less than you deserve in compensation for your injuries. Many victims feel pressured to accept these offers as the bills begin to pile up, but that is rarely a good idea. The insurance company is looking to protect its bottom line; and will offer injured victims less than they deserve. An experienced personal injury attorney understands how to negotiate with the insurance company and can look out for your best interests by getting you the compensation you deserve after an injury. If you or a loved one has been injured in an accident, it is important to avoid negotiating or providing recorded statements to the insurance company without first seeking help from a qualified personal injury attorney.

Do You Have a Personal Injury Case?

The best way to determine if you have a personal injury case is to speak with a knowledgeable attorney. Our legal professionals have the expertise to evaluate your case and determine a strong legal strategy so that you can obtain the greatest amount of compensation possible under the law. We will enlist investigators, assistants, and other specialists to collect accident reports, speak with witnesses to your accident, and put together a plan. While you focus on your physical recovery, we will remain committed to fighting for the compensation that you deserve.

Georgia's Personal Injury & Accident Firm

Accident victims have a limited time to file a personal injury lawsuit. This time period is referred to as the statute of limitations, and in Atlanta, it lasts only two years. This means that if you or a loved one has been injured in an accident, you have only two years to pursue a personal injury suit. If you wait too long to reach out to an experienced attorney, you might be forever barred from seeking the compensation you deserve.

What to Expect From Your Initial Consultation With a Personal Injury Attorney?

During your initial consultation with CEO Lawyer team, we will go over the important details of your personal injury accident, which include the nature and extent of your injuries, how your injuries have impacted your ability to earn a paycheck, the cost of your medical treatment, and whether further medical treatment will be required. We will answer any questions you might have, as well, in regards to our experience, our track record of success, and what to expect from the legal process. Many personal injury victims wonder if they will be able to afford the legal fees required to pursue a lawsuit. CEO Lawyer injury and accident attorneys will not ask for any type of upfront fee unless we are successful in obtaining compensation for you. That means that if you have been harmed in a motor vehicle accident, slip and fall accident, defective product accident, or any other type of personal injury accident, you can absolutely afford to contact our law office today for assistance. In fact, you cannot afford to wait. Reach out today. We understand that some accident victims might have already obtained the assistance of an attorney but may be dissatisfied with the services provided. We are standing by and prepared to help you change legal representation, regardless of where you are in the process.

Speak to an Experienced Personal Injury Attorney Today

If you or a loved one has been injured in any type of personal injury accident, you should not hesitate to speak with the experienced attorneys at CEO Lawyer personal injury law firm. Call, email, or fill out our online contact form today so that we can begin helping you pursue the compensation you deserve.