why is there insurance against uninsured drivers?
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Uninsured coverage also usually includes ***underinsured*** coverage. Because state minimum liability coverage is often laughably (sadly) low. Like $10k or $25k.
So you get in an accident, other party is at fault, and have a $50k hospital bill + your car. If they have $25k of coverage, that’s what you get. Sure, you can sue them for the difference, but you can’t get money from someone who doesn’t have any. Underinsured picks up the difference between their coverage and what you are covered for.
In Georgia, specifically, there’s even two “flavors” of underinsured. There’s add-on underinsured (if you have $100k of add-on underinsured and they have $25k, you are covered up to $100k + $25k = $125k) and the cheaper reduced underinsured (if you have $100k of reduced underinsured and they have $25k, your $100k is ‘reduced’ to $75k for a total of $25k + $75k = $100k in coverage–in other words, your reduced underinsured limit is the total paid out through a combination of theirs and yours).
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