Georgia only requires 25/50/25 in liability coverage and the roads are full of drivers carrying that little or nothing at all. For a metro Atlanta rider, uninsured and underinsured motorist coverage is often the only money that actually pays the bill

Georgia reduces your recovery by your share of fault and bars it completely at 50 percent, so a metro Atlanta rider has to stay under half the blame to collect anything. Here is how insurers push that number up and how you push back.