Insurance- Uninsured Motorist

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Uninsured and Under Insured Motorist

Under insured motorist coverage (UM) and uninsured motorist coverage (UIM) are not explained by the Insurance agent and the insured declines the coverage. Declining underinsured and uninsured motorist coverage ends up problematic for many individuals. Underinsured and uninsured motorist coverage protects you in the event you are in an accident with a driver who does not have insurance or does not have enough insurance to pay for the losses suffered you and your family (or other occupants of your car) as a result of other driver's negligent error.

Stated differently, this type of coverage is not for the driver who does not have insurance or does not have enough insurance. This coverage is for you the insured and your loved ones not the stranger you hit and hurt. Of all coverages probably the most important to most individuals, yet it is constantly turned down.

Stated differently, this type of coverage is not for the driver who does not have insurance or does not have enough insurance. This coverage is for you the insured and your loved ones not the stranger you hit and hurt. Of all coverages probably the most important to most individuals, yet it is constantly turned down.


Underinsured motorist coverage (UM) and uninsured motorist coverage (UIM) are often misunderstood and, for that reason, a lot of drivers do not purchase it. But declining underinsured and uninsured motorist coverage is problematic many times and can lead to regrets if the right fact patterns appear.

Even when people understand the purpose of uninsured and underinsured motorist coverage, there are many reasons why they do not purchase it:

  • Misunderstanding of the Risk - Nearly 1 in 4 drivers in the State of Tennessee do not have any insurance at all. Think about that for a minute and then think about how many vehicles are around you as you drive to and from work or the grocery store. For instance, as you drive to work on a 2-way road in the morning, one out of every five drivers you meet on the roadway probably does not have insurance. In addition to uninsured motorists, there is another large percentage of drivers who are only carrying the minimum legally mandated coverage of $25,000 per person /$50,000 per accident. While that sounds like a lot of money, consider this: $25,000 (the maximum amount one individual can recover under a $25,000/$50,000 policy) likely will not cover the expenses associated with one day at UT hospital. In a serious accident, a driver who only has the minimum coverages is unquestionably underinsured and why we want 250,000 to be the minimum anyone elects to carry.
  • Cost – Understandably, drivers are trying to keep their car insurance premiums low but this is not an area where you want to avoid costs by declining coverage or purchasing a low amount. Again, this coverage is for you and might be the only thing that protects you if you are involved in a serious car accident. This coverage is surprisingly affordable and to add it to your existing coverage would only require a minimal change in your budgeting. While the cost varies from insurance company to insurance company, the state you live in and the amount of coverage you buy, underinsured/uninsured motorist coverage can be as low as four or five bucks a month

One last point about uninsured and underinsured motorist coverage, if you have it and are involved in a serious accident, you will still want to hire Betz and Baril and if you do not please hire another law firm. Even though you will be dealing with “your" insurance company, your positions will be adverse. Insurance companies have a duty to their shareholder and they take that duty very seriously. Unfortunately, they will want to pay out as little money as possible on your claim because policy holders just do not matter as much when the checks get written the other way. 

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Betz and Baril are attorneys dedicated to providing you with the best legal services possible. We understand that your situation may be tough, but that is why you need a team like ours, who truly care about helping you to receive the compensation you deserve, so you can get back to living your life. You shouldn’t have to suffer from injuries due to someone else’s negligence. If you’ve been injured from faulty medical devices, faulty medicine, or you’ve been injured in a car or truck accident, we are here to help. Schedule a FREE Consultation

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Betz and Baril is committed to answering your questions about Accidents, Social Security DIsability and Mass Torts law issues in Knoxville, Tennessee.

We'll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.

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