Accidents can happen to even the most careful drivers. Even if you have comprehensive auto insurance, you obey all of the rules of the road and you never drink and drive, text and drive or get behind the wheel while you're drowsy, you can still have the misfortune of being hit by an insured driver.
One of the main reasons that motorists take out uninsured (UM) or underinsured motorist (UIM) coverage when they purchase auto insurance is to make sure that they'll be able to cover their accident-related costs no matter who crashes into them. Nearly two dozen states require motorists to take out UM or UIM coverage. Tennessee is not one of those states, but perhaps should be based on how many motorists drive without insurance.
While virtually every state requires motorists to carry auto insurance, there are some drivers who take a chance and never purchase it. If that person crashes into your car and injures you, you may wonder what happens next.
Although many jurisdictions require that motorists maintain auto insurance, many individuals don't. Then there are also those cases in which motorists aren't licensed or insured. In an effort to avoid prosecution, these motorists often leave the scene of crashes. If you've suffered injuries after having been struck by someone who left the scene of the crash or didn't have insurance, then you may be wondering what options you have for recovering compensation in your case.
It's bad enough when you are involved in a car accident in Knoxville. Matters only get worse when you are involved in an accident with an uninsured or underinsured motorist. These accidents are so stressful to be involved in because they leave the victim driver in a bad situation. Here are the benefits of having uninsured motorist coverage on your automotive policy.
All drivers should have auto insurance for the vehicles they drive. Sadly, far too many neglect this very important purchase. When they do, it's their hapless victims who suffer the consequences — which can be quite expensive.
Getting into an accident is stressful. It can be even more stressful when the other person involved does not have car insurance or does not have enough insurance. This is known as an uninsured/underinsured driver. These drivers are the reason why so many insurance-carrying drivers also have this type of coverage written into their auto insurance policies.
The number of uninsured drivers in Tennessee isn't the highest in the country, but it's in the top five states and certainly above the national average.
Having auto insurance is a requirement to drive just about anywhere in the country. Even though you might have insurance, there's no guarantee that other motorists around you will have it. This poses a problem when you're involved in an accident. Here's how you can protect yourself from an uninsured motorist.
Car accidents are scary and stressful enough. Add in the fact that you might have to deal with an uninsured or underinsured motorist, and the stress levels can become unbearable. Victims of accidents involving uninsured motorists need to know what to do following such an accident so they can prepare for what lies ahead of them. We will outline those steps in today's post.