Uninsured Motorist Coverage — Georgia
Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM) protect you when the at-fault driver has no insurance or carries limits too low to cover your damages. UM pays when the other driver is completely uninsured or flees the scene. UIM kicks in when the other driver's liability limit is exhausted but your bills exceed it. Both coverage types pay your medical expenses, lost wages, pain and suffering, and vehicle damage up to your selected policy limits.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended drivers reinstating their license in Georgia should carry UM/UIM at least at state minimum limits. DUI reinstatement requires proof of liability insurance, and rejecting UM coverage complicates the reinstatement filing because you must sign a separate rejection form that delays processing. If you're buying a non-owner SR-22 policy to satisfy reinstatement without owning a vehicle, UM bodily injury is critical because you have no collision coverage and no vehicle equity to absorb a loss—your only financial protection after being hit by an uninsured driver is your UM limit.
Match your UM/UIM limits to your liability limits unless you have a strong reason to diverge. If you carry health insurance but no collision coverage, prioritize UM property damage so you're not paying out-of-pocket for repairs after a hit-and-run.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Georgia county uninsured driver rate—metro Atlanta and rural South Georgia counties with higher uninsured motorist rates see slightly higher UM premiums.
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