| Rule | General Georgia law |
|---|---|
| Minimum liability | $25,000 per person / $50,000 per crash / $25,000 property |
| UM coverage | Offered with auto policies; may be “add-on” or “reduced by” |
| Time-limited demands | Pre-suit offers to settle motor vehicle claims must include specific terms |
Add-on vs. reduced-by UM
Add-on UM pays on top of the at-fault driver’s limits; reduced-by UM is offset by them. The difference can be large.
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