Do I need uninsured motorist coverage if I have collision and comprehensive in Georgia? 

Uninsured motorist insurance covers different things than collision insurance and comprehensive insurance. Collision and comprehensive insurance cover your vehicle damages after an accident or non-collision incident. Uninsured motorist insurance covers your losses if you get into an accident with a driver that doesn’t have car insurance. However, uninsured motorist insurance includes property damage liability insurance, so it would help cover your car repair costs if you were hit by a driver that was uninsured.