What if I don’t have uninsured motorist coverage?

If you did not purchase UM coverage and the at-fault driver is never found, your options are significantly limited. You may have a claim under your medical payments (MedPay) coverage if your policy includes it, but MedPay limits are typically low. This is precisely why attorneys consistently advise Georgia drivers to carry robust UM coverage — it is the single most important financial protection you can have.