STATE LAW – GEORGIA LIBRARY – GUIDE 06
Georgia Add-On vs Reduced-By UM/UIM & Multiple Policies
Georgia’s UM/UIM statute permits materially different coverage structures. Under the default add-on form, UM/UIM coverage applies in addition to available liability insurance, subject to the insured’s total damages. An insured may instead elect reduced-by coverage, which treats the tortfeasor’s available liability coverage as reducing the UM/UIM limit.
- Obtain and compare every UM/UIM election form and declarations page.
- Determine whether each policy provides add-on or reduced-by coverage.
- Identify all household, employer and other policies under which the injured person may qualify as an insured.
- Analyze stacking, priority and anti-duplication rules only after classifying each policy’s UM/UIM form.
Primary Georgia Source
O.C.G.A. § 33-7-11 — Add-On and Reduced-By UM/UIM
Current-law review: September 16, 2026. The UM/UIM election can change the practical value of identical stated limits.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Georgia sources
Georgia General Assembly · Georgia Office of Commissioner of Insurance · Supreme Court of Georgia