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UM vs UIM: What Georgia Drivers Need to Know

Updated: Nov 22, 2023

We are a law firm in Buford, Georgia. Part of our mission is to help people understand car insurance policies and clear up any confusion they may have.

Finding a lawyer or law firm for accidents can be challenging, especially when it comes to understanding car insurance policies.. It can be just as difficult as navigating through Atlanta's busy traffic. Today, we're focusing on two often-confused insurance types: Uninsured Motorist (UM) and Underinsured Motorist (UIM).

Why are these two types of insurance important? Because we live in a world where accidents happen.

Whether it's getting rear-ended on I-285 or a fender bender in a parking lot, car accidents are an unfortunate reality.

That's why you need adequate insurance coverage, and that's also why it's essential to understand what UM and UIM actually mean. Knowing the difference can make or break your financial recovery!

What is Uninsured Motorist (UM) Coverage?

UM covers your expenses if an uninsured driver hits you. This can be a lifesaver, especially in a state like Georgia, where not everyone on the road has valid car insurance. There are different reasons why someone might be uninsured; it could be as simple as they forgot to pay their premium that was due right before your wreck. We also see undocumented drivers without licenses or insurance far too frequently.

Quick Tip 1: Always check your policy to see what your UM coverage limit is. Your UM coverage should be at least equal to your standard liability coverage. If it's not, call your insurance agent ASAP!

What is Underinsured Motorist (UIM) Coverage?

UIM helps when the other driver's insurance doesn't cover all the costs of the accident. For example, if your accident costs are $50,000 and the other driver's insurance only covers $30,000, UIM can help with the remaining $20,000.

Quick Tip 2: Similar to UM, ensure your UIM limits match your liability coverage. Being underinsured can cost you big time!

A blue toy car nose-to-nose with a red toy car on a desk with a judge's gavel behind, along with The Edmonson Law Firm's business logo.

UM vs. UIM: What's the Difference?

In essence, UM covers you when the other driver has NO insurance. UIM comes into the picture when the other driver HAS insurance, but it’s not enough. In simple terms, UM protects you from bad drivers, and UIM covers you when good drivers mess up.

Quick Tip 3: If you've looked up "injury attorney near me" after a bad accident, you know how vital expert help is. Just like you'd seek expert advice after an accident, it's crucial to understand your insurance and consult a pro to ensure you have enough coverage.

Why You Should Care

Georgia law doesn’t require drivers to have UM or UIM, but choosing to go without is a gamble that you don't want to take.

Think about the stress of a car accident. Now, add the financial burden of being responsible for all your expenses, even if the accident wasn’t your fault. Not a pretty picture, is it?

The Bottom Line

In auto insurance, knowledge is power. Take some time to review your policy, and if it doesn't adequately cover you, make that change.

UM and UIM are important parts of insurance that can safeguard you from uncertainties while driving. They are not extras, but necessary for a strong insurance plan.

Quick Tip 4: Don't wait to improve your insurance policies! Speak to an insurance agent and upgrade your policy today.

If you find yourself browsing for an "accident lawyer near me," or "truck accident lawyer", remember that prevention is better than cure! Know your UM and UIM coverage, drive with confidence, and feel secure against life's unexpected surprises.

Now, you might be wondering, "How do I pick the right UM and UIM coverage?" It's a legitimate question and one that shouldn't be taken lightly.

Quick Tip 5: When choosing your UM and UIM limits, aim for at least as much as your liability coverage. If you can afford more, even better. Don't forget, medical bills and property damage costs can quickly increase. You don't want to be in a situation where you struggle to pay for them.

The Real Cost of Skimping on UM and UIM

When budgeting for car insurance, people often look for places to cut corners. While it might be tempting to opt for lower UM and UIM coverage to save a few bucks every month, consider the long-term implications.

Quick Tip 6: The cost of not having low coverage can far exceed the monthly savings you might enjoy. Look at it as an investment in your peace of mind!

2 Common Myths Debunked

As a car accident lawyer, I've heard my fair share of misconceptions about UM and UIM policies.

Myth 1:

"I have health insurance, so I don't need UM/UIM." Your health insurance might cover your medical bills, but what about other expenses like lost wages, or property damage? UM and UIM can help cover these gaps.

Myth 2:

"I'm a careful driver, so I don't need extra coverage." You may be the most cautious driver in the world, but you can't control the actions of others on the road. Enough said.

Quick Tip 7: Always be proactive rather than reactive with insurance. Don't fall for insurance myths!

When to Update Your Coverage

Life changes can impact your insurance needs. These changes include getting a new car, adding a teen driver, or moving to a new area. These are excellent times to review and, if necessary, update your UM and UIM coverage.

Quick Tip 8: Set a calendar reminder to review your auto insurance policy at least once a year. Make sure to schedule a quick consultation to ensure you have full information and protection!

Legal Help When You Need It

If you have a car accident with an uninsured or underinsured driver, a skilled local accident lawyer, like John Edmonson, can greatly help you. An "accident lawyer near me" or a specialized "truck accident law firm" can help you navigate the often confusing world of insurance claims and get the compensation you deserve.

Quick Tip 9: Have an organized file with documents like your insurance policy and medical records. Your attorney will thank you!

Wrapping Up

Understanding your auto insurance policy, especially the nuances between UM and UIM coverage, can save you a lot of grief and financial stress down the line. Take the time to understand what you're buying into and adjust your coverage to suit your needs adequately.

We want to help make the road a safer place for everyone. Arm yourself with the right information and the right coverage, and you'll be prepared for whatever comes your way!

Get Expert Legal Advice

If you have questions about your auto insurance coverage or need legal guidance after an accident, don't hesitate to reach out. The Edmonson Law Firm is here to help.

Schedule a free case assessment with John Edmonson by booking online at or by calling us at (678) 271-9111 during normal office hours.

Thank you for reading, and stay safe on the road!

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