What car insurance should I get in Georgia?

Uninsured motorist coverage is coverage that you purchase. If you are injured in an accident and the other driver does not have insurance or enough insurance, then, your own insurance company “steps into the negligent driver’s shoes” to compensate you for your injuries and damages.

Georgia law requires that you always be offered uninsured/underinsured coverage by your insurance company.

This type of coverage can only be denied if you sign a document refusing to buy the coverage. Too many times in our experience, the worst drivers do not have insurance because the cost of the insurance is more than they can afford to pay for. For example, if a driver has a history of accidents, speeding tickets and other traffic violations, he/she may be deemed a “high risk driver” by insurance companies. High risk drivers are usually forced to pay high premiums for less coverage, if they can afford coverage at all. In short, if you are involved in an accident with an uninsured driver or a hit and run driver, you need to rely on your own uninsured motorist coverage for medical treatment, lost wages, pain and suffering and other damages. Recent studies indicate that as many as 33% of all vehicles on the road may be uninsured.