What happens if I’m hit by an uninsured driver in Georgia?

What happens if I’m hit by an uninsured driver in Georgia?

If an uninsured driver hits you in Georgia, your own UM coverage under O.C.G.A. § 33-7-11 applies. You file a claim with your own insurer. If you elected add-on UM coverage, your insurer pays up to your UM policy limits on top of anything the at-fault driver pays (which is $0 if uninsured). If you have no UM coverage and the driver has no assets, you may have little recourse—which is exactly why HBLG urges every Georgian to carry UM/UIM coverage.