• Anna Bradley

What is Uninsured Motorist Insurance?

Bill Nickels Insurance Agency is run on loyalty and transparency. Our first priority is that our clients are properly covered for anything life can throw at them. We only sell what we believe our clients actually need and will not steer you wrong! This is why we always implore our costumers to obtain "Uninsured Motorist" insurance for their vehicles.

Now you might be asking what is uninsured motorist insurance exactly? Why would one get it if the my state doesn't make you? Well that is what we are going to answer today!

First lets start with the textbook definition: "Uninsured Motorist insurance is a coverage that protects you if you're involved in an accident with someone who does not have Liability insurance or does not have enough Liability insurance to pay for your damages" (Progressive).

So it seems pretty straight forward this protects you from other driver that are not carrying insurance; even though it is require by Tennessee state law. But what does it actually cover? It can cover any medical bills, property damage, and passenger injuries that happens due to another person without insurance. Medical bills can be anything from an ambulance ride to stiches will be covered. It can also cover rental insurance and any vehicle damage. (Progressive).

There are limits; however, that you decide upon receiving uninsured motorist insurance. This limit starts at $10,000 and goes up from there. Uninsured motorist coverage can have split limits (what we write) or one single limit. The single limit will be total what the insurance carrier will pay for any physical injuries (drive or passengers), property damage or any other pain and suffering. The split limit coverage is exactly what it sounds like, it splits into three categories with three different limits.

The split categories are personal injuries, total sustained injuries for all other passengers, and property damage. Personal injuries is the driver and will cover any injuries the driver sustains during the accident. The total injuries categories is to pay for any other people that are in the vehicle at the time of the accident. Then the last category protects your vehicle itself and any other valuables within your vehicle that may get damaged (laptop, stereo, etc.).

We usually suggest the limits 50/100/50. That means a $50,000 limit for personal injuries, $100,000 for passenger injuries, and $50,000 for property damage. However, these limits are all depending on what your willing to pay for, we always remind our clients that medical bills can be very expensive and if multiple people get injured the $100,000 will dwindle quickly! Once the limits are met all other expenses will have to be paid out of pocket.

If this hasn't answered all of your question feel free to call us at 931-728-9623! We are always willing to talk insurance!

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Progressive. “Uninsured Motorist Insurance.” Progressive Commercial, 2020, www.progressivecommercial.com/coverages/uninsured-motorist/.

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