What if the at-fault driver’s insurance isn’t enough to cover my medical bills?

What if the at-fault driver’s insurance isn’t enough to cover my medical bills?

This is common. If the at-fault driver’s coverage is exhausted, you can pursue a claim under your own uninsured/underinsured motorist (UM/UIM) policy. Georgia law requires insurers to offer UM/UIM coverage, though you can waive it in writing. If you have UM/UIM coverage, it can serve as a critical safety net in rental car accidents involving underinsured drivers.