What is Uninsured Motorist Insurance Coverage?

What is uninsured motorist coverage?


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 called uninsured motorist coverage – it provides you protection when you are hurt by an uninsured driver. Subject to certain limitations, you may recover damages under your own uninsured motorist policy if the other driver is proven to be uninsured.

Uninsured motorist coverage must be offered to each person who buys liability insurance in Tennessee.  Thus, if you purchased liability insurance on your vehicle,  you have uninsured 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.



John Day represents personal injury victims and families of wrongful death victims.  He is board-certified as a civil trial specialist by the National Board of Trial Advocacy and, in fact, served as President of the organization. He is an elected member of the prestigious American College of Trial Lawyers.  His book, "Day on Torts:   Leading Cases in Tennessee Tort Law," is used by judges and lawyers across Tennessee to further their understanding of personal injury and wrongful death law in Tennessee.  In 2009, Best Lawyers named John "Best Personal Injury Lawyer" for Nashville; he was the first recipient of that award. Best Lawyers also  named John as "Best Medical Malpractice Lawyer in Nashville" for 2010.   John does not charge for an initial consultation and accepts personal injury and wrongful death cases on a contingent  fee basis.  You can reach him by telephone at 615.742.4880 or by email by clicking here

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