How much uninsured motorist / underinsured motorist insurance coverage should I have?
You cannot buy more uninsured motorist / underinsured motorist (UM/UIM) insurance than you have in liability insurance coverage. Thus, if you have a $100,000 / $300,000 liability policy, you cannot buy more than $100,000 /$300,000 in UM/UIM. The need for UM/UIM is another reason to buy higher liability insurance limits. There are hundreds of thousands of uninsured drivers in Tennessee, and hundreds of thousands of drivers who have minimum liability insurance policy limits. Many of these drivers are drivers who cannot afford more insurance because they have a past history of driving under the influence of alcohol or another drug, UM/UIM is very inexpensive protection from harm caused by these drivers. Ask your insurance agent to give you quotes for several different levels of liability insurance coverage, including equal amounts of UM/UIM. You will be surprised at how little the “extra” insurance costs. Many times, you will be able to buy twice as much insurance coverage for a few dolla
