Do I need uninsured motorist coverage in Georgia?

Georgia does not require UM coverage but about 12 percent of Georgia drivers carry no insurance. If one hits you, your own policy is all you have. UM pays your medical bills, lost wages, and pain and suffering when the at-fault driver has no insurance. We recommend matching your UM limits to your liability limits. On a per-dollar basis it is one of the most cost-effective coverages on the policy.