Do You Have Enough Uninsured Motorist Coverage? Here’s Why It Matters More Than Ever

At Flack Injury Law, we’re committed to helping you stay safe on the road—and that starts with understanding your rights and protections. Welcome to the first post in a new series where we’ll be sharing tips on car safety, personal injury law, and insurance best practices, along with a few personal updates from behind the scenes.

Let’s Talk About Uninsured Motorist Coverage (UM)

If you’ve ever been in a car accident, you know how important insurance coverage can be. But what happens when the at-fault driver doesn’t have enough insurance—or any at all?

That’s where uninsured/underinsured motorist coverage (commonly called UM coverage) becomes essential.

What Georgia Law Requires

In Georgia, all drivers must carry a minimum of $25,000 in bodily injury coverage. If you're hit by a negligent driver, that’s the base amount you can claim against their insurance for your medical bills, lost wages, or other injury-related damages.

However, $25,000 doesn’t go far these days—especially if you need surgery, physical therapy, or ongoing treatment. And unfortunately, some drivers carry only the legal minimum, or worse, no insurance at all.

How UM Coverage Protects You

If the at-fault driver:

• Doesn’t have enough insurance to cover your injuries,

• Has no insurance, or

• Flees the scene of the accident (hit-and-run),

…then your own UM coverage kicks in to cover the shortfall.

Example: Say your medical bills total $150,000, but the at-fault driver only has $50,000 in coverage. Once that $50,000 is paid by their insurer, you can then tap into your UM coverage to recover the additional $100,000—plus compensation for pain and suffering—up to the limits of your policy.

Why You Should Check Your Coverage Today

UM coverage isn’t mandatory in Georgia—it’s optional. But in our experience handling hundreds of car accident cases, it’s one of the smartest decisions you can make.

Why?

• Medical costs are rising.

• The state’s $25,000 minimum hasn’t increased in decades.

• Many drivers on the road are underinsured or uninsured.

Personally, I carry $500,000 in UM coverage—and I recommend everyone consider boosting their limits to protect themselves and their families.

Need Help After a Car Accident?

At Flack Injury Law, we fight to ensure our clients receive the full compensation they deserve—especially when dealing with complex insurance scenarios like UM coverage. If you’ve been injured in a car accident, or just want to better understand your rights, give us a call at 678-653-0309.

Your safety and recovery are our top priorities.