Does Georgia UM/UIM coverage apply if I am a pedestrian or bicyclist hit by a car?

Does Georgia UM/UIM coverage apply if I am a pedestrian or bicyclist hit by a car?

Yes. Under Georgia law and as confirmed in Cotton States Mutual Insurance Co. v. Neese, 254 Ga. 335 (1985), UM/UIM coverage extends to policyholders and household members regardless of whether they were in the covered vehicle at the time of the accident. If you were struck as a pedestrian or cyclist by an uninsured driver, your own UM policy—or a household member’s UM policy—may cover you.