It’s strongly recommended. Industry estimates put roughly one in five Tennessee drivers on the road without insurance.
Uninsured/Underinsured Motorist (UM) coverage pays for your injuries, lost wages, and in qualifying cases pain and suffering when the at-fault driver has no insurance or not enough. It can also apply in many hit-and-run accidents, and it can protect you and your household as pedestrians or cyclists.
Tennessee auto policies include UM at the same limits as your bodily injury liability unless you reject it or choose lower limits in writing. A good rule of thumb is to keep your UM limits matched to your liability limits.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
Related FAQs
Yes, if you carry Comprehensive coverage. Comprehensive covers flood, hail, falling trees, wind, and theft. Liability-only policies, including Tennessee's minimum coverage, don't pay for damage to your own car. Flood-damaged ...
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