What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

What happens if an uninsured driver hits you in Georgia?

Georgia does not require UM coverage but roughly 12 percent of Georgia drivers carry no insurance.

What happens if a Georgia crash costs more than my liability limits?

Your insurer pays up to your liability limit and stops. The remaining balance becomes a personal debt collectible through a court judgment.

What should I do if my car is towed to a shop I did not choose?

In Georgia, you have the right to choose where your vehicle is repaired. If it was towed to a facility you did not select, you can request a second tow to your preferred shop, though you may be responsible for additional tow costs.

What does a telematics app actually track?

Mileage, speed, braking and acceleration, time of day, and phone handling while the car moves. Carriers weight the factors differently, and the program terms disclose what is collected and how it is used.

Auto FAQs

How do uninsured motorist limits work in Georgia?

Q: What is the difference between reduced and added-on UIM in Georgia?

Georgia offers two forms of UIM: Reduced (traditional) UIM subtracts the at-fault driver's limit from yours, so you collect the difference. Added-on (stacking) UIM sits on top of the other driver's limit, giving you more total recovery. It usually costs a little more and is the stronger form of protection.

All FAQs

Quick answer: Georgia does not require UM coverage but about 12 percent of Georgia drivers carry no insurance.

Georgia's uninsured motorist (UM/UIM) coverage comes in two forms - added-on and reduced-by - and which one you carry changes what a claim actually pays. Both are offered automatically on every Georgia auto policy; you must reject UM in writing to go without it. Knowing which form you have, and how the math works, matters more than simply knowing the coverage exists.

What is the difference between reduced and added-on UIM in Georgia?

Georgia offers two forms of UIM:

Reduced (traditional) UIM subtracts the at-fault driver's limit from yours, so you collect the difference.
Added-on (stacking) UIM sits on top of the other driver's limit, giving you more total recovery. It usually costs a little more and is the stronger form of protection.

How does the math work on a Georgia UM/UIM claim?

When a driver carries Georgia's $25,000 minimum but the medical bills and lost wages from an accident reach $80,000, the gap is $55,000. With $100,000 in added-on UIM, the injured driver collects the other driver's $25,000 plus up to $100,000 from the own policy, covering the full loss. With reduced-by UIM at the same $100,000 limit, the driver's own coverage pays up to $100,000 total, with the at-fault driver's $25,000 counted against it - a smaller total than the added-on version produces.

For example, a Gwinnett County driver struck by an uninsured motorist in a highway merge had $72,000 in medical bills. Her $100,000 added-on UIM policy covered the full amount after the at-fault driver's insurer confirmed a lapse in coverage at the time of the accident.

Should my UM limit match my liability limit?

Matching your UM limit to your liability limit keeps protection balanced. A driver who carries $100,000 in bodily injury liability but only $25,000 in UM is well protected against claims others make against them, but far less protected against the same level of harm done to them. A licensed advisor can review it any time income or assets grow.

For example, a Johns Creek professional with $300,000 in liability coverage carried only $50,000 in UM. After a coverage review, the UM limit was raised to match, doubling the protection for roughly $40 additional per year on the premium.

Where can I review my UM type and limits for Georgia roads?

UM/UIM coverage protects you and your passengers, not the other driver. It pays off exactly when the at-fault party cannot. See our auto insurance page for how the pieces fit together. To review your UM type and limits, request a free coverage review with our team.