Jones & Swanson

Are You Overspending on Auto Insurance?

As Marietta automobile collision attorneys, we frequently assess the auto insurance coverage of the at fault party in auto accidents. Not only that, but we must also review the policies of our own clients. Many times, our clients do not realize that their own auto insurance policy may be beneficial to them even though they were not at fault for the incident.

That’s why we are offering “Lunch & Learn” seminars in an effort to better inform those within our community about the various types of auto insurance. During these seminars, we help attendees better comprehend the coverage for which they are currently paying and provide insight on the best choices they can make for not only themselves, but their families as well.

For instance, most Georgians do not realize the importance of uninsured motorist (UM) coverage or how it may be applicable. Many people assume this coverage only applies in the instances in which an at-fault driver is completely uninsured; however, it very well may provide you and your loved ones with additional coverage following incidents in which the at-fault driver has some but not enough coverage. At our seminars, we like to discuss the little-known difference between “Add-On” and “Excess” UM coverage versus “Reduced” or “Traditional” coverage. As the names imply, “Add-On” provides UM coverage in addition to the at-fault driver’s liability policy limits, while the alternative is actually reduced by the at-fault driver’s coverage. For example, assume your neighbor was significantly injured in a car accident by a person with the minimum liability limits of $25,000 per person. If she had a $100,000 reduced UM policy, the UM coverage actually available to her would only be $75,000 resulting in a total available coverage of $100,000 ($25,000 + $75,000). On the other hand, if she had a $100,000 excess UM policy, the UM coverage available to her remains the full $100,000, resulting in a total available coverage of $125,000 ($25,000 + $100,000). For a nominal difference in premiums, the neighbor with “Add-On” or “Excess” UM raises their coverage substantially.

Everyone’s situation is different, so the amount of automobile insurance you need may well be different than that of your co-worker. At our past “Lunch & Learn” sessions, we have even offered to evaluate attendees’ insurance policies and offer them our thoughts on methods to possibly improve their coverage and better protect themselves and their families. We have completed “Lunch & Learns” at numerous businesses throughout the metro-Atlanta area. If you have a recommendation for a “Lunch & Learn” location, such as your place of business, please contact Amber Bowden at (770) 427-5498. Please note, however, the purpose of the session is not to sell our services or the insurance of any specific company, but is instead to provide information to those around us in hopes they will be able to make more informed decisions about their insurance coverage. We will cater lunch and can examine attendees’ policies to provide real life thoughts and suggestions.

If you or someone you know have questions about your individual automobile insurance policy, feel free to contact us today at (770) 427-5498 or at

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