Georgia Uninsured Motorist (UM) & Under-Insured Motorist (UIM)
Uninsured Motorist (UM) & Under-Insured Motorist (UIM) provide coverage from your policy if the at-fault driver has no insurance or doesn't have enough to cover the damages. It covers medical expenses, disability, lost wages, pain & suffering, property losses, & loss of consortium. It's expensive to insure people with bad records, so they're more likely to have the cheapest coverage available or no coverage at all. It's very important that you have UM/UIM coverage limits at the same levels as your liability coverage.
Georgia laws allow stacking of all motor vehicle insurance policies that you or any household relatives have at the time of the accident. If you're involved in an accident with an UM/UIM driver, you may be able to add the available coverage from all your separate motor vehicle policies & all household relative’s motor vehicle policies to determine the total amount available. It's important to notify all UM/UIM carriers AS SOON AS POSSIBLE. This includes cars, trucks, motorhomes, motorcycles, & any other motorized vehicle that you have insured.
Georgia insurance laws allow you to choose between 2 kinds of UM/UIM coverage. One is “reduced” or “difference-in-limits” coverage, which is slightly less expensive, but will only pay if you have higher limits than the at-fault driver. The better option is “add-on” or “excess” coverage. This will add to any coverage the at-fault driver already has.