Uninsured Motorist Coverage in Tennessee | Complete Guide 2025

Now first let's define what uninsured motorist coverage is simply put it's a type of car insurance coverage that helps protect you in the event that you're in an accident with an uninsured or underinsured driver it can cover medical expenses lost wages and damage to your vehicle it can also protect you if you're hit by a hit and run driver who can't be identified

If you don't have uninsured motorist coverage and you are hit by an uninsured driver you would be able to file your claim under your Collision coverage to help take care of your car however any medical bills or lost wages would not be covered

Beyond the obvious fact that there's an abundance of uninsured drivers out the main reason to get um coverage is that you don't want to pay your full deductible if you have to file a collision claim usually under uninsured motorists deductibles are about two hundred dollars so you're in for a lot less of a financial hit with um all things being equal this coverage is fairly inexpensive which makes sense if you understand how the coverage Works

See if you're in an accident with an uninsured driver the insurance company will investigate the individual who hit you and then go after them therefore the insurance company isn't usually on the hook for the money that you recover they typically segregate that individual and just have to pay for the investigation fee out of their pocket

It's important to note that in some states you must have additional coverage of uninsured motorist property damage in order to get your vehicle repaired or replaced under uninsured Motors however you can expect the um coverage to pay for medical bills lost wages and pain and suffering for you and into your passengers

So what should you do if you're in an accident with an uninsured driver first and foremost make sure that you and any passengers are safe and seek medical attention if necessary then you'll want to gather as much information as possible from the other party next you'll want to contact the police now this is vital because the insurance company usually requires a police report in order to fulfill an uninsured motorist claim next make sure to document the scene as much as possible then check to see if there are any other witnesses that you can get statements from when you file your claim

Speaking of claims let's talk about how to file a claim for uninsured motorist coverage now the process will vary depending on your insurance company but generally you'll need to contact your insurance company as soon as possible to report the accident and begin the claims process you'll need to provide all the information that you gathered at the scene of the accident as well as any documentation of Damages or injuries your insurance company will then review your claim and determine how much coverage you're entitled to

Uninsured motorist coverage protects you financially if you’re in an accident caused by a driver without insurance or insufficient coverage.

While not always mandatory, Tennessee highly recommends uninsured motorist coverage due to the high number of uninsured drivers.

Yes, it often includes protection if you’re struck by a hit-and-run driver who cannot be identified.

Your insurer pays your medical and repair costs, then pursues reimbursement from the uninsured driver responsible for the accident.

It covers vehicle repairs or replacement if your car is damaged by an uninsured driver.

Yes, it can compensate for lost income if you’re unable to work after an accident caused by an uninsured driver.

Contact your insurance company immediately, provide a police report, and share accident details and documentation.

It’s typically inexpensive, often adding only a few dollars per month to your premium.

Yes, passengers in your vehicle are also covered for medical expenses and damages.

Because about 1 in 4 drivers in Tennessee are uninsured, having UM coverage ensures you’re not paying out-of-pocket for their mistakes.

So there you go uninsured motorist coverage we hope you learned something new about this important type of car insurance and how it can protect you in the event of an accident with an uninsured driver if you found this video helpful be sure to like And subscribe to our channel for more helpful tips and information about car insurance and if you don't already have uninsured motorist coverage we really encourage you to consider adding it to your policy it may not be the most exciting thing to think about but it can provide valuable protection in the event of an accident thanks again for watching and have a great day