What if the driver who hit me had no insurance in Georgia?
Your own uninsured/underinsured motorist (UM/UIM) coverage steps in. Georgia sells UM in two forms — add-on and reduced — and add-on stacks on top of the at-fault driver's policy for maximum recovery.
About 12% of Georgia drivers are uninsured, and many more carry only the $25,000 state minimum. UM coverage is your safety net. Under O.C.G.A. § 33-7-11, you must reject UM in writing — otherwise you have it. 'Add-on' UM pays after the at-fault policy is exhausted; 'reduced' UM offsets against it. Always check for UM on every household vehicle, resident relatives' policies, and any employer vehicle you were driving.
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