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Uninsured Motorist Coverage — Tennessee

Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage steps in when the at-fault driver has no insurance or their limits are too low to cover your damages. It pays for your medical expenses, lost wages, and in some states your vehicle damage when the other driver can't. The coverage uses the same limits structure as liability insurance — you select bodily injury limits per person and per accident, and in some states you can add property damage coverage for your vehicle. Your insurer pays your claim under this coverage, then pursues the at-fault driver for reimbursement.

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Who Needs Uninsured Motorist Coverage Insurance?

You should carry Uninsured Motorist Coverage if you're reinstating your license after suspension, especially if the suspension was for driving without insurance or a DUI. Tennessee courts and the DMV view this coverage as proof you're serious about financial responsibility, and many SR-22 filers add it to strengthen their reinstatement application.

Compare the annual premium to one year of your health insurance deductible plus your emergency fund balance.

Related Coverage Types

An open black mailbox with a red flag on a black post holds a white envelope, with a dark SUV parked on a gravel driveway and flowering shrubs and a house blurred in the background.High-Risk Auto Insurance→A bearded man in a dark cap, hoodie and work jacket sits in a truck's driver seat, pulling the seat belt across his chest toward the buckle.Hardship License Insurance→A woman in a beige knit sweater sits in the driver's seat of a car, holding a phone to her ear and looking to the side, seen through the windshield.Liability Insurance→Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, a lit instrument cluster behind it, and blurred traffic and street lights on a wet road through the windshield.Reinstatement Coverage→
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