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What is uninsured motorist coverage and do I need it?

Uninsured motorist (UM) coverage pays your injuries and sometimes property damage when you are hit by a driver with no insurance. Underinsured motorist (UIM) pays the difference when the at-fault driver's limits are too low to cover your damages. In Georgia, a significant share of drivers carry only minimum limits or no insurance at all. UM/UIM is one of the most valuable coverages on a personal auto policy because it protects you when the other driver cannot pay.

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