What is “add-on” vs. “reduced” UM coverage, and which should I choose?

What is “add-on” vs. “reduced” UM coverage, and which should I choose?

“Add-on” (excess) UM/UIM coverage stacks on top of whatever the at-fault driver’s liability insurance pays, giving you the full benefit of both policies. “Reduced” (offset) UM coverage subtracts the tortfeasor’s liability payment from your UM benefit—meaning your UM insurer keeps the difference. Always elect add-on coverage. Under O.C.G.A. § 33-7-11(b)(1)(D)(ii), you must affirmatively elect reduced coverage; if you do nothing, add-on is the default. Check your declarations page and call HBLG if you are unsure which election you made.