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 who flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured motorist coverage steps in when the at-fault driver has no liability insurance or can't be identified after a hit-and-run. It pays your medical expenses, lost wages, and in some states your vehicle repair costs, up to the limits you select when you add the coverage. Georgia offers this as an optional endorsement, meaning your policy won't include it unless you specifically request it or your carrier automatically adds it and you don't reject it in writing. The coverage costs far less than collision or comprehensive because it only pays when the other driver is both at fault and uninsured — a narrower trigger than collision, which pays regardless of fault.
Who Needs Uninsured Motorist Coverage Insurance?
Retirees who no longer carry collision or comprehensive coverage on a paid-off vehicle should still consider uninsured motorist bodily injury coverage, particularly in Georgia where one in seven drivers operates without insurance. If you dropped full coverage to lower your premium, this endorsement preserves medical and lost-wage protection without the higher cost of collision. Medicare covers injury treatment, but it won't pay the gap between your medical expenses and what you can recover from an uninsured at-fault driver — and it won't cover your vehicle damage at all.
Compare the annual cost of uninsured motorist coverage to your health insurance deductible and the vehicle replacement cost you could cover from savings without financial strain.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your county's uninsured driver rate — Metro Atlanta counties with higher uninsured motorist claim frequency often carry slightly higher premiums for this coverage than rural Georgia counties.
- Stacking election in multi-vehicle households — Georgia allows you to stack uninsured motorist limits across multiple vehicles on the same policy, which increases available coverage but also raises the premium.
- Your carrier's claim experience — insurers that process a high volume of uninsured motorist claims in Georgia price the coverage higher than carriers with lower claim rates, independent of your own driving record.
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