Georgia Uninsured Motorist Coverage, legal advice: This is a complicated situation, but one that unfortunately is common in Georgia. First, you do have the right and the option to file a legal action (lawsuit) versus the owner and driver of the uninsured car or truck for your medical bills, pay you have lost (past and future), for you mental and physical pain, and possibly for exemplary damages. However, because the at-fault driver had no insurance, the chance of collecting your damages may be small. Therefore, it is advisable to also make a claim with your own automobile insurance policy for your UIM or uninsured motorist benefits. A UM policy protects you and allows you to recover your damages when the at-fault driver has no liability or bodily-injury or collision insurance or has insurance limits that are not large enough to cover your losses, and you have the appropriate UIM coverage. It is advisable to have your UM policy reviewed by a Georgia car accident attorney, because many insurance policies are difficult to understand or even misleading. And, just because your insurance sales person was friendly when he or she sold you the policy, the company might not be so friendly as you try to collect UM benefits.