In Georgia, you can choose between add-on or traditional (reduction) options when selecting UM coverage. With add-on coverage, you could collect up to the full amount of your UM limits regardless of any amounts paid or payable by the at-fault party’s liability insurance carrier. In contrast, when traditional coverage applies, UM limits are reduced by the amount of the at-fault party’s liability limits. For example, if you have a policy providing traditional UM coverage with limits in the amount of $100,000 and the at-fault party has $50,000 in liability coverage, you would only recover a maximum of $50,000 from your UM policy. However, if your policy provides add-on UM limits in the amount of $100,000, you would be able to collect up to a total of $150,000 in the scenario where an at-fault party’s liability policy, with limits in the amount of $50,000, is implicated. It is also important to note that, pursuant to Georgia’s UM statute (O.C.G.A. 33-7-11), any UM coverage provided by an auto insurance policy issued in this State must be add-on unless an insured affirmatively rejects this coverage in writing.