What does uninsured motorist coverage do?

Uninsured motorist coverage protects you when the other driver is at fault but has no insurance, or not enough insurance, to pay for the harm they caused. It is one of the most important parts of a Georgia auto insurance policy, because a large share of drivers on the road carry only the state minimum or no coverage at all.

There are two related pieces. Uninsured motorist coverage applies when the at-fault driver has no insurance. Underinsured motorist coverage applies when they have some coverage, but not enough to cover your medical bills and damage. Both step in to pay for your injuries and, depending on how the coverage is set up, your vehicle damage.

Here is a real example. A driver runs a red light in Savannah and totals your car, leaving you with $40,000 in medical bills. They carry only Georgia’s minimum limits or none at all. Without uninsured and underinsured motorist coverage, you could be stuck paying that gap yourself. With it, your own policy fills in.

In Georgia, you can choose how this coverage stacks with the at-fault driver’s limits, which affects how much you collect. The wording matters, so it is worth reviewing.

This coverage is affordable for the protection it provides, and we strongly encourage drivers to carry meaningful limits. Want to confirm yours is set up well? Request a free coverage review today.