Despite laws that require car insurance in Tennessee, about one out of five drivers you are sharing the roads with is driving an uninsured vehicle. These drivers have no financial backup plan for accidents, and are unlikely to be able to pay for the resultant damage if they cause an accident.
Fortunately, by including uninsured motorist coverage in your auto policy, you can have peace of mind and the protection you need if an uninsured driver hits you. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver.