Uninsured Motorist Coverage — Tennessee
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or not enough insurance to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when the at-fault driver either has no liability insurance or carries limits too low to cover your damages. UM pays when the other driver is completely uninsured or flees the scene in a hit-and-run. UIM kicks in when the other driver has insurance but their liability limit is exhausted before your medical bills and repair costs are fully covered. Both coverages apply only when the other driver is legally at fault for the collision.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
This coverage makes sense if you cannot afford to pay out-of-pocket for medical bills or vehicle repairs after an accident caused by someone else. If you're financing a vehicle, your lender may require uninsured motorist property damage coverage even though the state does not.
Compare the annual cost of UM/UIM coverage to the financial hit you'd take if an uninsured driver totaled your car or sent you to the emergency room.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Whether you add uninsured motorist property damage coverage separately or rely on collision coverage for vehicle repairs.
- Your county's uninsured driver rate — counties with higher percentages of uninsured motorists see slightly higher UM premiums due to increased claim frequency.
- Your own driving record and claims history — carriers price UM/UIM based partly on your likelihood of filing any claim, not just UM-specific risk.
