The Georgia Department of Insurance (DOI) states that Uninsured Motorist Insurance may be included on a policy. Although Georgia requires all drivers to have “liability insurance” to drive, there are unfortunately those that either do not obey the law or may have unknowingly allowed their insurance to cancel.

Uninsured Motorist would protect you when that other “uninsured” driver causes an accident which damages your vehicle (UMPD) or injures you or your passengers (UMBI). This coverage is for protection of the policyholder's loss or damages inflicted in that accident.

Georgia annotated Code 33-7-11 states that a motor vehicle shall be deemed to be uninsured if the owner or operator of the motor vehicle is unknown. For bodily injury or death, deductibles of $250.00, $500.00, or $1,000.00, at the option of any named insured in the policy. Deductibles above $1,000.00 may be offered, subject to approval of the Commissioner;

For injury to or destruction of property of the insured, deductibles of $250.00, $500.00, or $1,000.00, at the option of any named insured in the policy. Deductibles above $1,000.00 may be offered, subject to the approval of the Commissioner.

If you are placing your claim for the damages you sustained under collision and not Uninsured Motorist Property Damage (UMPD), then check with the GA DOI to find out if there is a maximum deductible allowed since the damage is from a hit and run incident.