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One way that Georgia uninsured/underinsured motorist UM coverage applies is when the tortfeasor’s available liability coverage is less than the victim’s total available UM coverage-to that extent, the tortfeasor is underinsured. In this case, the tortfeasor’s liability coverage exceeded the victim’s total UM coverage. But the victim’s recovery from the tortfeasor’s liability coverage was reduced by certain subrogation claims, so that the victim’s actual recovery was less than her total UM coverage. The issue before us is whether the victim’s UM coverage should cover the difference.

The facts are undisputed. Gail Thurman, a United States postal carrier, was injured after she got out of her postal truck, when she and the truck were struck by a car driven by Mamie Brown; the postal truck was damaged in the amount of $4,445.81. Thurman and her husband sued Brown for damages. Brown had $100,000 total liability and property damage coverage, and the Thurmans claimed total damages in excess of this amount. So, the Thurmans settled with Brown’s insurance company for $95,554.19, which constituted the policy limits minus the amount of property damage to the postal service truck, which had already been paid to the postal service.

 
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