Find Uninsured & Underinsured Motorist Insurance in Georgia

Uninsured motorist insurance, or “UM” for short, is like your secret weapon against folks who don’t have any car insurance. Believe it or not, almost one in eight drivers in the U.S. are out there rolling around without a lick of coverage. That’s downright scary! If one of these drivers hits you and it’s their fault, you could end up stuck with a heap of medical bills and repair costs and no one to help pay for them.

Most of the time, whoever caused the accident (or their insurance) has to cover the damage. But if they don’t have insurance, you could try to take them to court, but that doesn’t help much when the bills are piling up. And if they skedaddle before you can get their info, uninsured motorist coverage can swoop in to help pay for your injuries and damages, up to your policy limits.

And hey, if you’re looking for a good deal, why not get a cheap Velox quote? It’s a quick way to make sure you’re covered without breaking the bank!

Underinsured motorist coverage, or “UIM”, is there for you when the other driver has insurance, but not nearly enough to cover the mess they made. You might not realize it, but if you’re only carrying the bare minimum car insurance required by the state, you could be underinsured too. If you’re at fault in a crash and your insurance doesn’t cover all the damage, guess who’s got to foot the rest of the bill? That’s right, you do.

In at-fault states, your insurance won’t help you pay for your own injuries and damages if you caused the wreck. All those costs come straight out of your pocket. And once your insurance has ponied up for the other guy’s bills up to your policy limits, you’ll be holding the bag for the rest of those costs, too. Underinsured motorist coverage kicks in after the other driver’s insurance runs dry.

A lot of folks like to add extra protection to their insurance to make sure they’re not left high and dry after an accident. It’s always a good idea to make sure you’re covered, just in case life throws a curveball your way.

Simply put, UM protects you if you’re in an accident caused by a driver who doesn’t have insurance. At the same time, UIM covers you when the at-fault driver’s insurance isn’t enough to pay for your damages. Every driver should seriously consider this coverage, whether it’s required or not. The added protection comes at a minimal cost but provides invaluable peace of mind. Check out the differences more in-depth below.

If you get into a wreck caused by someone who has little to no coverage your own insurance company will step up and help cover the costs, up to your policy limits. So, let’s say you’ve got $25,000 in UIM coverage with a $500 deductible. That means your coverage will pitch in $24,500 to help cover your damages and medical bills—yours and your passengers. In some states, there is no deductible for this type of coverage.

In Georgia, uninsured motorist insurance is not mandatory, but insurance companies must offer this coverage as an option when you purchase a policy. Underinsured motorist insurance is also available, providing additional protection when the other driver’s insurance doesn’t cover all your damages. If you’re driving in Georgia, you can choose to include uninsured motorist coverage in your policy to enhance your protection.

When it comes to UM/UIM coverage in Georgia, prices can be all over the place, depending on how you drive, the coverage limits you pick, and where you hang your hat. On average, uninsured motorist bodily injury coverage will run you about $136 a year, and underinsured is around $90. For property damage, it’s about $36 a year for uninsured and $46 for underinsured. So, don’t just settle for the first number you hear—let a Velox agent do the legwork, hunt down quotes, and get you the best deal around.

In Georgia, UM/UIM policies are one of those optional coverages that can really save your bacon if you get into a wreck with a driver who doesn’t have enough coverage—or any at all. It helps cover stuff like medical bills, lost wages, and damage to your ride.

As for the minimum coverage, you’re looking at $25,000 per person and $50,000 per accident for bodily injuries, plus $25,000 for property damage. And if you’re thinking about getting UM/UIM coverage, you can choose between stacked or unstacked options, depending on what suits you best.

Stacked coverage is a sweet option for your UM and UIM coverage. It lets you combine the limits from multiple cars on your policy. So, if you’ve got a couple of vehicles insured and each one has, say, $25,000 in UM/UIM coverage, stacked coverage would give you a total of $50,000 if you ever run into trouble with an uninsured or underinsured driver.

It’s like making sure you’ve got a little extra cushion when things go sideways. Now, if you go with unstacked coverage, each car’s limit stands alone, so you wouldn’t have that extra backup. Stacked coverage usually costs a bit more, but it might just be worth it for that added peace of mind!