Do I need to max out my uninsured/underinsured motorist coverage?

I live in Atlanta and can afford to carry the maximum coverage. I also have full coverage, so is it necessary to carry high coverage for uninsured/underinsured motorist coverage?

Answer provided by
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Emily Maracle
Answered on May 10, 2021
“Having comprehensive coverage and collision coverage is recommended for most drivers. However, even if you have these, you should still consider carrying higher limits of uninsured/underinsured motorist coverage.
While comprehensive coverage and collision coverage will protect your vehicle in the event of an accident or covered peril, regardless of fault, uninsured/underinsured motorist coverage is specifically designed to protect you from drivers without insurance or insufficient insurance.
If you get into an accident with an at-fault uninsured/underinsured driver, your insurance will cover your injuries or property damage.
Without this coverage, or without enough coverage, you’d most likely need to pursue the uninsured/underinsured driver in court or pay for everything out of pocket.
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