Uninsured Motorist Coverage in Georgia: Everything You Need to Know

Accidents happen every day in Cobb County and across Georgia. What many drivers don’t realize is that nearly 12% of Georgia drivers are uninsured. If one of them hits you, are you protected? At Hembree Insurance Agency in Kennesaw, we help families and businesses understand uninsured motorist (UM) coverage so you’re never left paying the price for someone else’s mistake.

FAQs

1. What is Uninsured Motorist Coverage?

Uninsured motorist coverage is a type of auto insurance that protects you if you’re hit by a driver who has no insurance or not enough insurance. It pays for things like:

• Medical bills

• Lost wages

• Vehicle repairs

Think of it as a safety net for when the other driver can’t cover your costs.

2. Is Uninsured Motorist Coverage Required in Georgia?

No — Georgia does not require drivers to carry UM coverage. However, insurance companies must offer it when you purchase auto insurance, and you must reject it in writing if you don’t want it.
👉 At Hembree Insurance, we almost always recommend keeping it.

3. How Much Coverage Do I Need in Cobb County?

It depends on your situation. Many Georgia drivers carry only the state minimum of liability ($25,000 per person / $50,000 per accident), which may not be enough if you’re seriously injured.

• We recommend matching your UM limits to your liability limits (often $100,000 / $300,000 or higher).

4. What’s the Difference Between “Added On” and “Reduced By” Coverage?

• Added On UM: Pays on top of the other driver’s insurance. (More protection.)

• Reduced By UM: Deducts what the other driver’s policy pays. (Less protection.)
  👉 In Georgia, you can choose either. We guide our clients toward Added On for maximum protection.

5. How Do I Add UM Coverage to My Policy?

Simple — call or email us, and we can review your auto policy. Most carriers we work with (Nationwide, Auto-Owners, Travelers, Progressive, etc.) offer it as a small add-on with big benefits.

Why Choose Hembree Insurance Agency?

• Local: Serving Kennesaw, Marietta, Powder Springs, Dallas, and all of Cobb County.

• Independent: We shop multiple carriers to find the best UM options for your family.

• Trusted: 5-star reviews highlight our fast follow-up and caring team.