Uninsured Motorist (UM) coverage in Georgia isn't legally mandatory, but insurers automatically include it unless you opt out in writing. With high rates of uninsured drivers across GA, skipping UM leaves your savings exposed after an accident. Discover how UM works, the difference between "Add-On" and "Reduced-by" limits, and how to verify your policy settings. Need guidance? Customized Insurance Brokers is here to help review your coverage and protect your future.