Do you have uninsured motorist coverage? Many people don’t know the answer to this important question.
Uninsured motorist coverage protects you if you are injured in a vehicular accident due to the negligence of another driver who doesn’t have insurance.
Like most states, Tennessee requires all motorists to maintain auto insurance. However, there are always some people who drive without insurance. Sometimes they are simply ignoring the law. Other times a driver may have had insurance, but unintentionally allowed the coverage to lapse. In either case, if such a driver causes an accident and injures you, you may not be able to recover payment for your injuries. This is when uninsured motorist coverage will protect you.
If you have uninsured motorist coverage your own insurance company will compensate you for your losses and injuries. In Tennessee, insurance companies are required to include uninsured motorist coverage in all auto insurance policies, unless the insured driver waives the coverage. This is an important “unless.” When you purchase auto insurance in Tennessee the insurance company will likely ask you to sign a document waiving your right to uninsured motorist coverage. If you sign that document, you will not have the coverage.
Often the insurance company will offer a lower premium if you agree to waive your uninsured motorist coverage. However, the lower premium is usually not much cheaper than the premium would be with the uninsured motorist coverage. Having uninsured motorist coverage is worth the small extra cost. Whether other drivers are insured is completely out of your control. With uninsured motorist coverage, you no longer need to worry about this issue. You are now in control of your options for compensation should you be the victim in an accident.
Uninsured motorists is just one issue that could arise if you or a loved-one is injured in an automobile accident. If you have been in an accident, you will likely need help from an attorney to navigate the many issues that can arise in your particular case. Please contact us for a free evaluation of your situation. If we can help you, our legal representation will not cost you anything unless and until we recover for your losses.