You can do everything right and still be hit by a driver who has no insurance or far too little. In Tennessee, uninsured and underinsured motorist coverage is often the key to a real recovery.
How UM/UIM Coverage Works
Uninsured motorist (UM) coverage pays when the at-fault driver has no liability insurance. Underinsured motorist (UIM) coverage pays when the at-fault driver has some insurance, but not enough to cover your damages. Both come from your own policy and are designed to fill the gap left by an irresponsible driver.
In Tennessee, insurers must offer UM/UIM coverage, though you can reject it in writing. Many drivers carry only minimum coverage without realizing how little protection that provides after a serious crash.
Why It Is So Important Here
A meaningful percentage of Tennessee drivers are uninsured, and many more carry only the state minimum limits. When a catastrophic injury produces medical bills that dwarf a minimum policy, your own UM/UIM coverage may be the only source that can make you whole.
Stacking and Disputes
UM/UIM claims can be surprisingly contentious. Even though you are dealing with your own insurer, the company still has a financial interest in paying less. Coordinating the at-fault driver's policy with your UIM coverage, and understanding how multiple policies may apply, often requires legal guidance.
Check Your Policy Before You Need It
The best time to confirm you have adequate UM/UIM coverage is before an accident. If you have already been hit by an uninsured or underinsured driver, an attorney can review every policy that might apply and pursue each available source of compensation.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Tennessee attorney.