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After receiving a jury verdict in her favor against an unidentified motorist who injured her, Virginia H. Jones appeals the trial court’s order finding that Georgia Farm Bureau Mutual Insurance Company, Cotton States Mutual Insurance Company, and Allstate Insurance Company were liable to her for only the minimum amount of uninsured motorist “UM” coverage under OCGA § 33-7-11, on individual and separate policies issued by each insurer.1 Jones contends that, because she never specifically rejected “excess” UM coverage in writing prior to the accident, she retains the option to acquire excess coverage following the accident, despite the fact that the policies involved provide for only minimum coverage. For the reasons set forth below, we disagree and affirm the trial court.

The record shows that Jones was injured when an unidentified motorist referred to as “John Doe” crashed into another car in which Jones was a passenger. Jones subsequently brought suit against “John Doe,” and a jury awarded her a judgment of $4.5 million.

 
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