Do You Really Need Uninsured Motorist Coverage in Georgia

Do You Really Need Uninsured Motorist Coverage in Georgia?

You're driving on Georgia roads, and you're going to run into every kind of situation—including drivers who aren't insured or don't have enough coverage. You might be wondering if uninsured motorist (UM) coverage is required by law in Georgia. The simple answer: no, it's not. But here's why it might be one of the smartest decisions you'll ever make for your finances.

What Is Uninsured Motorist Coverage?

Think of uninsured motorist coverage as your plan B. It kicks in if you're in an accident with a driver who doesn't have any insurance or whose policy won't fully cover your damages or medical expenses. In Georgia, UM coverage usually comes in two types:

• Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost wages, and even pain and suffering if you or your passengers are hurt by an uninsured driver.
• Uninsured Motorist Property Damage (UMPD): Covers the repair or replacement of your car if it's hit by an uninsured or underinsured driver.

Is UM Coverage Required in Georgia?

Georgia does not make you carry uninsured motorist coverage, although insurers must provide it when you buy a policy. You can choose to waive it by signing a waiver—but at Peachstate Insurance, we highly recommend that you keep UM coverage to avoid surprises down the road.

Why You Should Take UM Coverage Seriously

Unfortunately, about 12-14% of Georgia motorists are driving uninsured—that's more than one in ten! Without uninsured motorist coverage, you may be left to pay enormous bills even if an accident was not your fault.

Some of the things UM coverage can offer you include:

• Actual Financial Security: Save yourself from costly medical bills and repairs.
• Peace of Mind: Drive worry-free, knowing that you're protected even when others are not.
• Additional Protection: It gives you extra protection above and beyond your regular car insurance.

How Much UM Coverage Is Sensible for You?

The optimum amount of coverage depends on the value of your car, your financial situation, and your risk tolerance. Our team at Peachstate Insurance can sit down with you and figure out the precise amount of UM coverage that fits your lifestyle.

Let Peachstate Insurance Keep You Protected Today

At Peachstate Insurance, we're dedicated to keeping you comfortable and protected on Georgia's highways. Our experienced and friendly agents can walk you through your choices and help you choose the correct uninsured motorist coverage for you.

Click here for your free quote or call today and learn how Peachstate Insurance can keep you safe—and stress-free—on the road.

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