What is the difference between uninsured and underinsured motorist coverage in Georgia?

What is the difference between uninsured and underinsured motorist coverage in Georgia?

Uninsured motorist (UM) coverage activates when the at-fault driver has no insurance at all, or in a hit-and-run where the driver cannot be identified. Underinsured motorist (UIM) coverage activates when the at-fault driver has some insurance, but not enough to fully compensate you. In Georgia, both coverages are governed by O.C.G.A. § 33-7-11 and are typically written together on the same policy endorsement.