When a driver without insurance or with insufficient liability limits crashes into your vehicle, the financial fallout can be severe. In Tennessee, many motorists assume their standard auto policy will cover any accident, but without uninsured motorist (UM) and underinsured motorist (UIM) protection, families can be left paying thousands of dollars out of pocket.
What UM and UIM Coverage Do
Uninsured motorist coverage is designed to step in when the at‑fault driver has no liability insurance at all. Underinsured motorist coverage fills the gap when the at‑fault driver does have insurance, but the limits are too low to cover the full extent of your losses. Both types of coverage can apply to bodily injury, and many policies also extend to property damage.
Why the Coverage Matters in Tennessee
Tennessee law requires a minimum of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Those limits may sound adequate, but modern medical costs and vehicle repair prices often exceed them. For example, an accident that generates $60,000 in medical expenses would leave a $35,000 shortfall if the at‑fault driver only carries the state‑required $25,000 limit.
In such cases, UM or UIM coverage can help bridge the gap, up to the limits you selected in your own policy. The amount you receive depends on your policy’s limits, any applicable offsets, and the specific language of your contract.
How to Verify Your Coverage
Many drivers are unaware whether they carry UM/UIM protection. The best place to start is your policy’s declarations page. Look for a line that reads “Uninsured Motorist” or “Underinsured Motorist” along with the selected limits. If you cannot locate it, call your insurance agent and ask directly.
Remember, Tennessee insurers must offer UM coverage whenever they sell liability insurance, but you have the right to reject it in writing. Declining the coverage may save a small premium now, but it can expose you to massive financial risk later.
When UM Coverage May Apply
Beyond collisions with uninsured drivers, UM coverage can also apply in certain hit‑and‑run situations, provided the circumstances meet the policy’s definitions. However, each insurer’s rules differ, so it’s essential to review your contract or speak with your agent about the specific conditions.
Steps to Take After an Accident
- Report the incident to law enforcement promptly.
- Document the damage with photos, medical records, and witness statements.
- Notify your insurance company as soon as possible and provide all relevant information.
- Review your policy to confirm the limits and any applicable deductibles.
Taking these steps quickly can help ensure a smoother claims process and increase the likelihood of receiving the benefits you’re entitled to under UM/UIM coverage.
Protecting Your Family Before the Next Accident
Most drivers hope they never need to file a claim, but the reality is that accidents happen. By confirming you have adequate uninsured and underinsured motorist protection, you safeguard not only your vehicle but also your family’s financial stability.
Before your next policy renewal, set aside a few minutes to review your coverage limits and ask your agent whether property‑damage UM protection is included. A small adjustment now can prevent a large, unexpected expense later.
Original reporting: Knox TN Today — read the source article.
