If the driver that causes a Tennessee car accident or truck accident does not have liability insurance, your own automobile insurance coverage may also apply in provide a source for monetary recovery to pay your medical bills and compensate you for your injuries. This type of insurance coverage is also available (and very important) for motorcycle owners because it will provide protection for the riders in the event of a Tennessee motorcycle accident with an car or truck that does not have sufficient liability insurance.
This type of insurance coverage is called uninsured motorist coverage - it provides you protection when you are hurt by an uninsured driver. This type of insurance also protects you when the driver that causes a wreck has inadequate insurance coverage to pay for the harm caused to you. This is called "under-insured motorist coverage."
Both types of insurance must be offered to each person who buys liability insurance in Tennessee. Thus, if you purchased liability insurance on your vehicle, you have uninsured and under-insured motorist coverage unless you waived your right to have it in writing.
An experienced Tennessee car accident attorney or Tennessee truck accident attorney can examine your insurance policy and tell you whether you have this insurance coverage, the amount of the coverage, and whether any limitations in the law or the insurance policy limit your rights. If you do not appear to have uninsured motorist coverage this attorney can also help you determine whether you waived your right to purchase the coverage in the manner required by Tennessee law.