{"id":1634,"date":"2024-05-13T19:16:00","date_gmt":"2024-05-13T19:16:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=1634"},"modified":"2025-08-22T14:14:14","modified_gmt":"2025-08-22T14:14:14","slug":"uninsured-motorist-coverage-requirement-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/auto-insurance\/uninsured-motorist-coverage-requirement-georgia\/","title":{"rendered":"Is Uninsured Motorist Coverage Required in Georgia? Get the Facts\u00a0"},"content":{"rendered":"
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As you drive down I-75 in Atlanta with your insurance policy in tow, have you ever wondered about the insurance of the other drivers on the highway? As they zoom by you or cut into your lane, have you considered they may not be insured? Or if they are insured, they may not have enough insurance to cover the full costs of an accident.<\/span>\u00a0<\/span><\/p>\n

You probably don’t think much about that until you get sideswiped in an accident. At that point, you may have a few choice words about what happened. But when you find out the other party is uninsured or underinsured, you’ll also be stuck with the unexpected cost of damages. That is, unless you have been proactive in securing uninsured motorist coverage as part of your <\/span>auto insurance policy<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

Some drivers increase their coverage so they are fully protected instead of only having minimum liability. But on the opposite end of the spectrum, you have drivers with no coverage at all. That’s right. They are breaking the law by not having even minimum liability. So, when they collide with you, your main recourse is having uninsured motorist coverage (UM). This type of policy protects you by paying for your injuries and damages if you get into an accident with a driver who doesn’t have any coverage. It also helps with some other situations.<\/span>\u00a0<\/span><\/p>\n

As a Georgia driver, it’s a good idea to know what this type of policy is, so you can decide if it’s the right fit for you.<\/span>\u00a0<\/span><\/p>\n

Understanding Uninsured Motorist Coverage<\/span><\/b>\u00a0<\/span><\/h2>\n

So, what is uninsured motorist coverage, how does it work, and do you need it? Your insurer may have offered you this protection when you signed up for your insurance policy, but they may not have explained what it was all about. You may not even know who’s considered an underinsured driver.<\/span>\u00a0<\/span><\/p>\n

Uninsured and underinsured are more than just insurance terms. These terms get thrown around a lot, and it’s important to know what they mean. If you get into an accident caused by either of these types of drivers (or a hit-and-run driver), you stand a good chance of experiencing some financial losses.<\/span>\u00a0<\/span><\/p>\n

Underinsured refers to a person who has some liability insurance but not enough to pay for all the damages that commonly happen when you get into a wreck. For example, if the person has the $25,000 minimum coverage on bodily injuries, but the accident results in more extensive costs related to an injury you’ve suffered, you’re stuck footing the bill.<\/span>\u00a0<\/span><\/p>\n

An uninsured driver, as you may guess, is a person without any car insurance at all.<\/span>\u00a0<\/span><\/p>\n

If you’re like most insured people, you didn’t get all the details about adding uninsured insurance to your policy. Your insurance agent may have skimmed over this option without emphasizing its importance. But for the cheap cost, this coverage is more than worth the additional cost.<\/span>\u00a0<\/span><\/p>\n

You can select from two types of uninsured motorist coverages.<\/span>\u00a0<\/span><\/p>\n

Uninsured Motorist Bodily Injury<\/span><\/b>\u00a0<\/span><\/h3>\n

If you get into an accident with someone driving without insurance protection, you won’t need to lose your cool because your UM will protect you. Without this protection, you would be scrambling to figure out how to cover the costs yourself.<\/span>\u00a0<\/span><\/p>\n

Bodily injury protection covers all the injury expenses that happen because of an accident. Expenses may include the following:<\/span>\u00a0<\/span><\/p>\n