STATE LAW – GEORGIA LIBRARY – GUIDE 05
Georgia Uninsured & Underinsured Motorist Coverage
O.C.G.A. § 33-7-11 governs Georgia uninsured and underinsured motorist coverage. Policies generally provide statutory UM/UIM protection unless the insured rejects it or affirmatively selects different limits or a reduced-by form as permitted by law.
- Obtain the declarations page and every UM/UIM election or rejection form.
- Georgia’s default framework allows add-on coverage that applies in addition to available liability coverage without duplicating damages.
- An insured may instead elect reduced-by coverage, under which available liability coverage reduces the amount of UM/UIM coverage.
- Review insured status, policy priority, deductibles, settlement and service requirements before resolving the liability claim.
Primary Georgia Source
O.C.G.A. § 33-7-11 — UM/UIM Coverage
Current-law review: September 16, 2026. Georgia UM/UIM recovery is election-, insured-status- and policy-specific.
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