In Georgia, the two possible types of underinsured coverage you can have are stackable and non-stackable. Stackable coverage stacks on top of the liability insurance policy. For example, let’s say you are hit by a driver with $25,000 minimum limits, and you have $100,000 in stackable underinsured coverage on your own policy. The $100,000 would stack on top of the $25,000 and you would have $125,000 total coverage available to pursue.
A non-stackable policy does not stack on top of the liability policy. With this type of coverage, the amount of liability insurance is subtracted from your non-stackable under insured coverage. For example, if the driver who hit you only has $25,000 minimum limits and you have a $25,000 non-stackable policy, you would not have any additional coverage available to you under your own insurance.
If you are riding in a vehicle other than your own when you are injured, you may be able to pursue an uninsured or underinsured claim from that vehicle’s insurance policy as well as your own. Keep this in mind as another possible source from which to recover damages.