Tennessee Uninsured Motorist Laws

Uninsured motorist laws are different in each state. Tennessee has an estimated 20 percent uninsured drivers. That is high. Carrying uninsured motorist protection will help you meet damage costs in the event of an accident with one of these drivers.

What Exactly Is Uninsured Motorist Coverage?

Uninsured and under-insured motorist coverage is the part of an automobile insurance policy that provides coverage to the insured in the event of an accident caused by an uninsured driver. This coverage is available to the insured party and any other parties who are covered under your policy. It can extend to passengers and family members and in some instances covers costs if you are hit as a pedestrian by an uninsured motorist or a hit-and-run driver. Check the details of your policy to see the amount and extent of your uninsured motorist coverage.

Why You Should Carry Uninsured Motorist Protection

In the event of an accident, you and your family could lose substantially if you are not properly covered. Automobile accidents sometimes result in extensive property damage, injuries to drivers and passengers and death. Any of these serious events could leave you with stacks of bills if you are not covered by your insurance. This can happen even if you were not at fault. For example, if you have a passenger that is seriously injured or killed, you may be required to pay for medical costs and other expenses.

How Much Coverage Should You Carry?

You are allowed under Tennessee law only to carry as much uninsured motorist protection as you have bodily injury protection. So, the extent of this protection is dictated by the rest of your insurance policy. Discuss policy limits with your insurance and if you feel you are not adequately covered, discuss your insurance with an experienced attorney. It is best to carry the highest amount of insurance you can afford so that you will be covered in case of an accident.

Getting Legal Assistance

If you were involved in an accident in Tennessee with an uninsured or under-insured driver, you will be well served if you consult an attorney about your case today. An attorney can assist you with filing claims for damages. He can discuss your personal concerns with you in confidence. You can trust that an attorney will advocate on your behalf to make sure that you are adequately compensate to the full extent allowable under the law.