Uninsured Motorist Coverage — Georgia
Uninsured Motorist Coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance or flees the scene.
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What Is Uninsured Motorist Coverage Insurance?
Uninsured Motorist Coverage activates when the driver who caused your accident has no liability insurance or when a hit-and-run driver leaves the scene. The coverage has two components: Uninsured Motorist Bodily Injury pays your medical expenses, lost wages, and pain and suffering up to your policy limits, while Uninsured Motorist Property Damage covers vehicle repair costs. Georgia requires carriers to offer this coverage but does not mandate you purchase it—you must decline in writing if you choose to go without.
Who Needs Uninsured Motorist Coverage Insurance?
Suspended-license drivers reinstating in Georgia should carry Uninsured Motorist Coverage because one in seven Georgia drivers operates uninsured, and a single uncovered accident can derail your financial recovery and trigger a second suspension for unpaid medical bills or repair costs. Drivers purchasing non-owner SR-22 policies to satisfy reinstatement requirements without owning a vehicle benefit from Uninsured Motorist Bodily Injury, which covers your injuries regardless of which vehicle you occupy.
Suspended-license drivers should default to carrying this coverage during the SR-22 filing period unless comprehensive health insurance and liquid emergency reserves make self-insuring the risk viable.
How Much Does Uninsured Motorist Coverage Insurance Cost?
- Your ZIP code's uninsured motorist rate—counties with higher percentages of uninsured drivers see marginally higher premiums.
- Your driving record—suspended-license reinstatement with an SR-22 filing already places you in high-risk pricing tiers, but Uninsured Motorist Coverage itself adds a flat cost regardless of violation history.
- Bundling with Underinsured Motorist Coverage—purchasing both coverages together often costs less than adding each separately.
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