Uninsured motorist helps protect you in the event you are hit by a driver who is at fault and is either uninsured or underinsured. It can cover injury related medical expenses and costs associated with repairing your car. In Tennessee you can opt for Uninsured Motorist Property Damage (UMPD) which can cover your auto. UMPD may also covers “hit and runs” in parking lots, parked on a street, etc. If this occurs, you would need to make an attempt to contact the police to report the incident. UMPD does carry a deductible of $200 in Tennessee. If you do not carry collision coverage, UMPD is an important coverage to include.
If the other driver who hit you has some insurance but not enough, your uninsured motorist can cover the difference between the other driver’s coverage and the limits of your policy. Tennessee has one of the highest percentages of uninsured drivers in the US at 21%. Uninsured motorist is part of your liability coverage but it is an optional coverage and not required by law. Uninsured motorist coverage is relatively inexpensive and is an iportant coverage to include with your car insurance coverage.