Does Georgia require uninsured motorist coverage on an RV?

Georgia insurers must offer uninsured motorist (UM) coverage on every auto and RV liability policy, and it is added automatically unless the owner rejects it in writing (O.C.G.A. 33-7-11). Uninsured motorist coverage pays for the policyholder's injuries and, depending on the selection, vehicle damage when the at-fault driver either has no insurance or does not carry enough to cover the loss.

For a standard car, that gap might mean a few thousand dollars in medical bills. For a motorhome, the numbers run higher. A Class A motorhome can cost well into six figures to repair or replace, and the people riding in it may need extended medical care after a serious wreck. If the driver who caused the accident carries only Georgia's 25/50/25 minimum, or nothing at all, that leaves a large amount unpaid unless the RV owner's own UM coverage picks up the difference.

Example: a full-timer's motorhome is struck by a driver who ran a red light and carries no insurance. Repair estimates come in at $40,000, and two passengers need hospital treatment. Without UM coverage, that $40,000 and the medical bills fall on the RV owner to collect from the at-fault driver directly, often a losing proposition if that driver has no assets. With UM coverage in place, the RV owner's own policy pays up to the UM limit selected, then the insurer can pursue the at-fault driver.

Georgia allows two related types under the UM umbrella: coverage that pays regardless of the at-fault driver's insurance status, added on top of what any liability insurance does pay, and coverage that only fills the gap between what the at-fault driver's insurer pays and the actual loss. The limit selected on a policy, not just whether UM is present, determines how much protection exists.

Underinsured motorist coverage works alongside UM for a driver who has some insurance but not enough. Both apply the same way to a motorized RV as to a car, since Georgia treats a motorhome as a motor vehicle for insurance purposes; see whether RV insurance itself is required in Georgia for the underlying registration rule.

An owner can decline UM coverage, but only by rejecting it in writing; without that written rejection, Georgia law puts it on the policy by default. What limit fits a specific rig, travel pattern, and household is a question for a coverage review, not something a blanket rule can answer. More on Georgia RV insurance options is available for a fuller comparison, and Georgia's fault rules affect how a claim like this gets paid.