Why Uninsured Motorist Coverage Matters in Kennesaw, Georgia

Did you know that nearly 1 in 8 drivers in Georgia are uninsured? That means every time you hit the road in Kennesaw, there’s a real chance you could be involved in an accident with someone who doesn’t have insurance. At Hembree Insurance Agency, we believe in protecting our community from the unexpected—and uninsured motorist coverage is one of the smartest ways to do that.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is a type of auto insurance that helps pay for your medical bills, lost wages, and vehicle repairs if you’re hit by a driver who has no insurance or not enough insurance to cover the damages.

In Georgia, UM coverage comes in two forms:

• Uninsured Motorist Bodily Injury (UMBI): Covers medical expenses, lost income, and pain and suffering.
• Uninsured Motorist Property Damage (UMPD): Covers damage to your vehicle caused by an uninsured driver.

Is It Required in Georgia?

No, Georgia does not require drivers to carry uninsured motorist coverage. However, insurance companies must offer it, and you must reject it in writing if you choose not to include it in your policy. [Uninsured…aims Guide]

At Hembree Insurance Agency, we almost always recommend keeping it—especially in Cobb County, where traffic is heavy and accidents are common.

Why It’s Crucial in Kennesaw

Kennesaw is part of the bustling Atlanta metro area, where traffic congestion and accident rates are higher than average. Combine that with Georgia’s 12% uninsured driver rate, and the risk becomes clear. [Uninsured…ave No …]

Without UM coverage, you could be left paying thousands out-of-pocket—even if the accident wasn’t your fault.

Real-Life Scenarios Where UM Coverage Helps:

• A hit-and-run on Barrett Parkway.
• A collision with an uninsured driver on I-75.
• A distracted driver rear-ends you in downtown Kennesaw.

“Add-On” vs. “Reduced-By” Coverage

Georgia allows you to choose between two types of UM coverage:

• Add-On Coverage: Pays on top of the at-fault driver’s insurance. Offers maximum protection.
• Reduced-By Coverage: Only pays the difference between the at-fault driver’s coverage and your UM limits. Offers less protection. [Uninsured…aims Guide]

We recommend Add-On coverage for most of our clients in Kennesaw.

How Much Coverage Should You Carry?

While Georgia’s minimum liability limits are $25,000 per person / $50,000 per accident, these amounts often fall short in serious accidents. We suggest matching your UM limits to your liability limits—commonly $100,000 / $300,000 or higher.

How to Add UM Coverage to Your Policy

It’s easy. Just call or email our team at Hembree Insurance Agency. We work with top carriers like Nationwide, Auto-Owners, Travelers, and Progressive, and we’ll help you find the best UM options for your budget.

Why Choose Hembree Insurance Agency?

• Local Expertise: Serving Kennesaw, Marietta, Powder Springs, and all of Cobb County.
• Independent Advantage: We shop multiple carriers to find the best fit for you.
• Trusted Team: Our 5-star reviews speak for themselves.

Don’t wait until it’s too late. Protect yourself and your loved ones with uninsured motorist coverage today. Contact Hembree Insurance Agency for a free policy review and quote.

📞 (770)-565-9900
🌐 www.hembreeinsuranceagency.com