Chattanooga Personal Injury Attorneys

What You Need To Know About Uninsured Motorist Insurance

What You Need To Know About Uninsured Motorist Insurance

Uninsured motorist coverage (UM) is a type of auto insurance that provides protection in the event of an accident with a driver who does not have insurance. It covers medical expenses, lost wages, and other damages that you may incur as a result of an accident with an uninsured driver.

Underinsured motorist coverage (UIM) is a type of auto insurance that provides protection in the event of an accident with a driver who does not have enough insurance to cover the cost of damages that you may incur as a result of an accident. It covers medical expenses, lost wages, and other damages that exceed the other driver’s insurance coverage limit.

Both Uninsured and Underinsured motorist coverage are designed to provide protection for you and your passengers in case of an accident with a driver who does not have enough insurance to cover the cost of damages.

IS UNINSURED MOTORIST INSURANCE OPTION IN TENNESSEE AND GEORGIA?

In Tennessee, Uninsured Motorist Coverage (UM) is optional, which means you can decide whether or not to purchase it as part of your auto insurance policy. In Georgia, UM is mandatory, which means you must purchase it as part of your auto insurance policy.

However, it’s worth noting that even though UM is mandatory in Georgia, you have the option to reject it in writing, but you must have liability insurance to do so.

WE URGE EVERYONE PURCHASE UNINSURED/UNDERINSURED MOTORIST INSURANCE!

According to a 2019 report by the Insurance Information Institute, Georgia has one of the highest rates of uninsured drivers in the United States, with an estimated 26% of drivers on the road without insurance. The state requires that drivers have liability insurance, but unfortunately it does not seem that everyone complies with this requirement. This number may vary from year to year and from a different source. It’s the same with Tennessee. According to the latest data from the Insurance Information Institute, as of 2021, approximately 12.5% of drivers in Tennessee are uninsured. This suggests that there is still a relatively high number of uninsured drivers in the state.

HOW MUCH CAR UNINSURED MOTORIST COVERAGE SHOULD I CARRY?

Generally, it is recommended to carry at least the same amount of uninsured motorist coverage as you have for liability coverage. This will ensure that you are protected in case of an accident with an uninsured driver. However, the minimum limit you can car in Tennessee and Georgia is $25,000 dollars.

$25,000 IN UNINSURED MOTORIST COVERAGE USUALLY WILL NOT GIVE YOU ENOUGH PROTECTION IF AN UNINSURED DRIVER INJURES YOU.

$25,000 in uninsured motorist coverage may provide some protection if an uninsured driver injures you, but it may not be enough to cover all of your expenses. The amount of coverage you carry should depend on your individual needs and risk tolerance.

If you are injured in an accident with an uninsured driver and your medical expenses exceed $25,000, you will have to pay the difference out of your own pocket. If you’re concerned about being underinsured, it may be wise to consider purchasing additional coverage. It is recommended to speak to your insurance agent or broker to determine the right amount of coverage for your specific situation.

DOES HIGH CAR UNINSURED POLICY LIMITS COST A WHOLE LOT MORE?

The cost of uninsured motorist coverage can vary depending on a number of factors, such as the limits of coverage you choose and the insurance company you purchase your policy from. Generally, higher limits of coverage will cost more than lower limits. However, the increase in cost may be relatively small compared to the added protection that higher limits can provide.

It is important to note that some states have mandatory Uninsured Motorist Coverage (UM) , with limits that you must purchase and sometimes at a low cost. In other states, UM is optional and you can decide if you want to purchase it or not and if yes, at what limits.

WHAT DOES STACKING INSURANCE POLICIES MEAN IN TENNESSEE AND GEORGIA

Stacking insurance policies refers to the practice of combining multiple insurance policies to increase the overall coverage limits. In the context of auto insurance, Georgia drivers, depending on the policy they purchased, can stack their insurance policies to increase the amount of coverage they have for damages or injuries resulting from a car accident. If you purchased the right to stack on your Georgia policy, policyholders can stack policies for different vehicles or for different types of coverage (such as liability, collision, and comprehensive) to increase the overall coverage limit.

Tennessee policyholders cannot stack policies in most circumstances. First, in Tennessee, uninsured motorist coverage (UM) is optional. Tennessee only requires drivers to carry liability insurance, which covers damages and injuries to other drivers, not the policy holder. Therefore, it is recommended to have additional coverage such as the Uninsured Motorist coverage to protect yourself in case of an accident with an uninsured driver.

WHAT IS ANTI-STACKING PROVISION OF TENNESSEE AUTO INSURANCE LAW?

Tennessee law limits the amount of coverage a policyholder can access when multiple policies are involved in a single accident. Tennessee state law limits the amount of coverage a policyholder can access from multiple policies in the event of an accident.

For example, if a policyholder has two separate auto insurance policies and is involved in an accident, an anti-stacking provision may limit the policyholder to accessing the coverage from only one of the policies, rather than allowing them to stack the coverage from both policies. This means that the policyholder would not be able to access the full coverage limits of both policies, and would only be able to access the coverage from one of the policies.

IF THE AT FAULT DRIVER HAS 25,000 DOLLARS LIABILITY COVERAGE CAN I STACK MY UNDERINSURED MOTORIST INSURANCE ON TOP OF THE 25,000?

In Tennessee, if the at-fault driver has liability coverage of $25,000 and you have underinsured motorist coverage (UIM), you cannot potentially stack your UIM coverage on top of the at-fault driver’s liability coverage of $25,000. However, all is not lost. If you have more underinsured coverage than the at-fault driver’s liability policy limits, you can recover the limit number of your policy. So if the underinsured driver has only $25,000 dollars and you have $100,000 you can potentially collect $100,000—$25,000 dollars from the underinsured driver’s policy and $75,000 dollars from your policy. What you can’t do in Tennessee is combine the underinsured’s policy of $25,000 dollars with your $100,000 dollars for a total of $125,000. That would be stacking which state law doesn’t allow.

By |2023-03-13T12:02:53-04:00March 13th, 2023|Accidents|0 Comments
Personal injury attorneys - Cover of the the "know your rights after a serious car accident" PDF

FREE GUIDE

Your Rights After A Serious Car Accident

  • This field is for validation purposes and should be left unchanged.

Looking for more free resources to help you with your personal injury claim?

10 best attorney of 2021 in client satisfaction

$1,150,000

Auto Accident Settlement

$1,000,000

ATV Accident
Settlement

$650,000

Auto Accident Settlement

$600,000

Tractor Trailer Accident

$400,000

Tractor Trailer Accident

$300,000

Auto Accident Settlement

$300,000

Tractor Trailer Accident

$300,000

Auto Accident Settlement

$245,000

Motorcycle Accident Settlement

OUR SERVICES & REVIEWS

A Personal Approach for Accident Victims

Personal Injury

Car Accidents

Truck Accidents

Motorcycle Accidents

ATV Accidents

BICYCLE ACCIDENTS

BOATING ACCIDENTS

NURSING HOME ABUSE

PREMISE LIABILITY

Personal injury 

In almost all personal injury claims, insurance companies will offer you significantly less than what you deserve. It’s tempting to accept the first offer, especially if you are in a great deal of pain and unable to return to work. But if you’ve already taken a devalued settlement from the insurance company and your medical bills start to pile up, there’s little legal recourse to ask for more. That’s why it’s crucial to involve a Chattanooga personal injury lawyer before you even file a claim.

About Personal Injury >

Car Accidents

Chattanooga car accident lawyers Tricia Dennis and Russell King have recovered millions of dollars in Georgia and Tennessee for car and motor vehicle accident victims like you.  If you or a loved one has been injured and need help with your medical bills, then you have come to the right place.   Auto accident victims and their family members in East Tennessee and North Georgia can confidently rely on the experienced auto accident attorneys at Dennis and King. We are the law firm that has compassionately, yet effectively, helped victims and their loved ones navigate the aftermath of difficult situations.

Our Car Accident Lawyers >

Trucking Accidents

Truck accidents in the United States are on the rise. Recent statistics show that almost 150,000 people are injured in truck accidents each year, and 6,000 people are killed. The regional area of Georgia and Tennessee is a crossroads and a center for car manufacturing, river traffic, and other industries. Large trucks, semi-trucks, 18-wheelers, and other commercial vehicles are constantly on the road. This has a downside as frequent truck accidents occur on I-75, I-24, I-59, Highway 153, U.S. 27, Amnicola Highway, Corridor J, and other roadways. If you or a loved one has been injured in a Georgia or Tennessee truck accident, you may be eligible for substantial compensation.

Our Truck Accident Lawyers >

Motorcycle Accidents

Experienced Chattanooga motorcycle accident lawyers Tricia Dennis and Russell King are avid fans of motorcycles, but they also realize how serious motorcycle accidents can be. With over 75 years of combined experience, Dennis and King Injury Law knows the legal process to achieve fair compensation for motorcycle crash victims. Contact one of our lawyers today to learn more about how to start your motorcycle accident claim.

About Motorcycle Accidents >

ATV Accidents

Under both Tennessee and Georgia law, ATVs are not authorized for use on paved road, but children continue to bring ATVs on to our roads and highways. Georgia and Tennessee laws also prohibit the carrying of passengers on most ATVs, require children below the age of 16 to take approved ATV training courses, and require kids younger than 16 to wear helmets, eye protection, and over-the-ankle boots when operating ATVs. However, these requirements apply only when ATVs are operated on public lands, leaving kids essentially without protection when riding ATVs on private property.

About ATV Accidents >

Bicycle Accidents

The most tragic type of bicycle crash is a bike-car collision. Cyclists are completely defenseless traveling on 30-pound bikes when they’re surrounded by 3,000-pound cars and trucks racing by them. Pedestrians, defective bike parts, recalled bike helmets, and other ineffective bicycle safety equipment can also cause bicycle accidents. Bike accidents can result in wrongful death or serious injuries such as broken bones, amputation, traumatic brain injury, neck, back, and spinal cord injuries.

About Bicycle Accidents >

Boating Accidents

One of three factors usually cause boat accidents: an inexperienced boater, an intoxicated operator, or a boat malfunction. More than a third of both fatal and non-fatal boat accidents are alcohol-related. It is estimated that boat operators with a blood alcohol content of .10 or higher are 10 times more likely to be injured or killed in a boat accident than sober operators.

About Boating Accidents >

Nursing Home Abuse

No one ever expects a family member or friend to be the victim of abuse or neglect in a nursing home. However, abuse and neglect do occur every day and in many ways.

Dennis and King are Chattanooga nursing home abuse attorneys who will fight to recover all that you and your loved one deserve. With our experience in nursing home negligence matters, we thoroughly and carefully assess each individual case. We prepare each case for either settlement or trial in order to obtain compensation for injury, medical expenses, and pain and suffering. We help victims and their families hold these facilities accountable.

About Nursing Home Abuse >

Premises Liability

Premises liability is a vital facet of personal injury law, placing responsibility on property owners for maintaining a safe environment. When accidents occur due to negligence or hazardous conditions on someone’s property, victims have the right to seek compensation. This encompasses incidents like slip and falls or inadequate security leading to assaults. Dennis and King excel in handling these complex cases, tirelessly pursuing justice for our clients.

About Slip and Fall Injuries >

OUR TEAM IS STANDING BY

Free Strategy Session

During your initial strategy session, we will assist you in creating a strategy in how to best pursue your claim, whether it be the result of a car accident claim, 18 wheeler injury, or, other kind of personal injury claim.

There are 5 points to your free claim strategy session:

  • First, we will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information you provide, we will give you our best advice on both what claims you have and the next steps you should consider to go forward with your claim.
  • If you claim is something that we think we can help you with, we will explain the services that we can provide for you, and what the next steps are that we should take. We will start working immediately.
  • If your matter is something that we do not think we can help you with, then we will attempt to put you in contact with another lawyer that might be able to help you.
  • Either way, what should happen is we will put to rest some of the unknowns that you may be experiencing. We will start to shed light on what you can expect and how to best pursue the benefits you deserve.