All insurance policies, in accordance with Tennessee law, must have coverage for uninsured drivers (UM), with limits equal to the bodily injury liability limits mentioned in the policy. However, individuals have the right to opt out of UM coverage if they wish. B) (With respect to the bodily injury of an insured, at a time when the insured is not occupying any motor vehicle, vehicle insurance will apply under which the injured party is insured with the highest limits of coverage for uninsured motorists and no other coverage will apply for uninsured motorists. You can find more information about car insurance rules and requirements on the State Department of Revenue's Drive Insured Tennessee portal.
In addition to taking out auto liability insurance in accordance with state minimums, Tennessee vehicle owners can deposit a cash deposit or bond in the required amount, or demonstrate that they qualify as self-insurers under state law. A) The vehicle involved in the accident is insured by the same insurance company for both collision coverage and property damage coverage for uninsured motorists; and Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it will not cover any of your medical expenses and comprehensive insurance will not cover your expenses at all after a collision. If you were injured in a car accident in Tennessee, you may need more than just the basic rules of car insurance. Uninsured motorist (UM) coverage protects the policyholder by paying for injuries or damages that result from a car accident caused by a driver who does not have enough insurance.
F) No insurer will increase the auto insurance rate or premium of an insured with coverage for uninsured motorists or cancel coverage solely by paying a claim under coverage for uninsured motorists.