Uninsured motorist coverage is very important to have. If you are in an accident and you don't have this kind of coverage, and the driver that hit you is uninsured, or if you are the victim of a hit and run, you're going to have damage to your vehicle and medical bills to pay. You can't be left without a remedy. Don't let that happen to you and make sure that you carry or add uninsured motorist coverage. Uninsured motorist coverage also applies in situations where the other driver’s insurance coverage is not adequate to cover all of your damages. In Georgia, there are two types of uninsured motorist coverage. There is ad-on (excess coverage) and another is called reduced-by (difference in limits coverage). What you want to get is ad-on coverage. This type of coverage will be a little more expensive than the other, but this coverage will stack on top of the available liability coverage where the reduced-by does not. I would encourage anybody who doesn't have uninsured motorist coverage to add it. It's something where there are so many people driving without insurance that you could be left without a remedy. So take my advice, and add uninsured motorist coverage if you don't already have it. If you do already have uninsured motorist coverage, increase the limits on your coverage. Your insurance company will sell you uninsured motorist coverage up to the limits that you have of liability coverage. So if you have $25,000 of liability your insurance will sell you up to $25,000 in uninsured motorist coverage. It's something that I can't stress enough that you have if you don't already.