What Happens if You Are Hit by an Uninsured Driver?

Being involved in car wreck can be one of the most stressful moments for a family. The situation is often made much worse because the person who caused the harm does not have any insurance, even though the State of Tennessee has now made it a requirement.

Recently, I have met with folks around the middle Tennessee area where this problem is now a grim reality for their families. The only safety net for them is having a good UM ( uninsured motorist) or UIM (underinsured motorist) policy with high limits to cover the harms. Oddly enough, your own insurance carrier may act adversely toward you in this situation.