Georgia Uninsured Motorist Coverage Explained — Added vs. Reduced

Georgia law requires drivers to choose between Added or Reduced uninsured motorist (UM) coverage when purchasing auto insurance. Many drivers in Douglasville, Douglas County, and across West Georgia make this choice without fully understanding the difference — and it can have a major impact if you're ever hit by an uninsured driver.

Understanding your UM coverage options protects you on Georgia roads

What Is Reduced Uninsured Motorist Coverage?

With Reduced UM, your coverage is offset by any liability coverage the at-fault driver carries. For example, if the at-fault driver has $25,000 in liability and you have $50,000 in UM coverage, Reduced UM would only pay up to $25,000 — the difference. This is typically the lower-cost option.

What Is Added Uninsured Motorist Coverage?

With Added UM, your coverage is added on top of the at-fault driver's liability coverage. Using the same example, you could collect up to $75,000 total — $25,000 from their policy plus $50,000 from your UM coverage. Added UM provides significantly stronger protection, especially in serious accidents.

Which Should Douglasville Drivers Choose?

For most drivers in Douglas, Carroll, and Paulding counties, Added UM is worth the modest additional cost. Georgia has a significant number of uninsured drivers, and stronger protection can make a critical difference after a serious accident. Our team at Hometown Insurance Group Jimenez Agency is happy to walk you through both options.