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Do I need uninsured motorist coverage in Georgia?

Georgia does not legally require UM coverage, but roughly 12 percent of Georgia drivers carry no insurance and another significant segment carries only the 25/50/25 state minimum. If an uninsured driver hits you, you have no third-party liability to claim against — your own UM coverage is the only source of payment for your medical bills, lost wages, and pain and suffering. We recommend matching your UM limits to your liability limits. For a family with 100/300/100 liability, 100/300 UM costs roughly $50 to $100 more per year — one of the highest-value coverages on your policy.

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Do I need uninsured motorist coverage in Georgia?

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