Why UM/UIM Coverage Matters
A serious injury can easily exceed an at-fault driver's minimum policy limits, and some drivers carry no insurance at all. UM/UIM coverage on your own policy is designed to fill that gap, paying for your injuries when the responsible driver cannot. Many Tennessee drivers carry this coverage without realizing how important it is.
Fighting Your Own Insurer
A UM/UIM claim is made against your own insurance company, which may still dispute the value of your injuries or how the crash happened. Having an attorney levels the playing field and pushes back against unfair denials and lowball offers.
Hit-and-Run and Phantom Drivers
UM coverage can also apply when a hit-and-run driver flees the scene or when a 'phantom' vehicle causes a crash without making contact. These claims have specific proof requirements that an attorney can help satisfy.
Coordinating Multiple Policies
Recovering full compensation may involve stacking coverage, pursuing the at-fault driver's policy first, and then turning to your UIM coverage. Tennessee's one-year deadline and policy notice requirements make prompt action important.
Injured in Tennessee? Get a free, confidential case review today. There's no obligation, and you pay no fee unless you win. Call 973-566-5599.
Frequently Asked Questions
Uninsured/underinsured motorist coverage on your own policy pays for your injuries when the at-fault driver has no insurance or not enough to cover your losses.
Using coverage for a crash that wasn't your fault generally should not raise your rates, though policies vary. An attorney can advise on your situation.
Often yes. Uninsured motorist coverage can apply when a driver flees the scene, subject to specific proof requirements.
This page is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Tennessee attorney. Injury Claim Team is a legal referral service, not a law firm.