In our nearly 30 years of handling serious personal injury cases in Canton, Gainesville, and across North Georgia, one thing we've learned is this: not all auto insurance policies are created equal. We’ve seen too many clients do everything right behind the wheel—drive defensively, obey traffic laws, and stay alert—only to be hit by someone who didn’t. What happens next often depends on the type of coverage they have.
As personal injury lawyers, we spend a lot of time reviewing automobile insurance policies. And if you're someone who aims to avoid accidents, you should also make sure you're protected if one happens anyway.
Here are three essential things to ask your insurance agent about today:
1. Maximize Your Uninsured and Underinsured Motorist Coverage (UM/UIM)
This is non-negotiable. If you're hit by a driver who doesn’t have insurance or doesn’t have enough insurance, UM/UIM coverage could be the only way to pay for your injuries, medical treatment, or time away from work. Get as much of this coverage as you can afford. It’s often surprisingly inexpensive and can make all the difference in your recovery.
2. Make Sure Each Vehicle Has Its Own Policy
Ask your agent about writing one individual policy per vehicle rather than bundling them all together. Why? Because individual policies can often be stacked, meaning you can multiply your UM/UIM coverage across multiple vehicles. This gives you significantly more protection for yourself, your family, and any passengers in the event of a crash.
3. Add an Umbrella Policy
This one might sound like something just for high-net-worth individuals, but it’s a smart option for anyone who wants extra protection. A personal umbrella policy can act as additional UM/UIM coverage and often provides an extra $500,000 to $1 million on top of your existing coverage. That could be the difference between being financially devastated by a crash and being able to move forward with security and peace of mind.
Why It Matters
Here in Canton and Gainesville, we’ve helped clients recover after life-changing car accidents. We’ve seen what happens when insurance coverage falls short—and when it’s been structured properly. The latter means faster medical care, less financial stress, and a smoother road to recovery.
No one wants to think about the worst-case scenario. But as car accident lawyers, we can tell you: the worst-case scenario can happen to anyone. And when it does, the right insurance coverage can make all the difference.
If you’re not sure what kind of coverage you have, or whether you’re protected the way you should be, give us a call. We’re happy to review your policy and explain what everything means.
At Hasty Pope, we’re not just personal injury lawyers—we’re your neighbors. Born and raised in Canton, and proudly serving Gainesville and the Southeast, we’re here to help you prepare, protect, and recover.