Is anyone outraged about the uninsured motorists in Tennessee? In our day and age, automobile insurance is a necessity, not a luxury. If you drive, get insured! There are too many motorists driving around without automobile coverage. This causes motorist with insurance to pay the price for uninsured motorist. Automobile insurance is not enforced in the state of Tennessee. If you are pulled over for a traffic violation you’re asked for license, registration and proof of insurance. If you do not have proof of insurance the only thing that may happen is that you are given a citation. This needs to change! In the state of Georgia if you are stopped and you do not have proof of insurance you got to JAIL. I think if Tennessee would become stricter on their insurance laws more people would become insured and stay insured. When someone purchases an automobile it is required that insurance is purchased in order to take it off the lot, but once you leave if you do not pay it the next month the insurance is canceled and people continue to drive around uninsured. Uninsured and underinsured motorist are both optional in Tennessee. The idea behind uninsured motorist insurance is to protect the persons who do have insurance from drivers who do not have liability insurance. If the consumer (Joe) injures another driver (Bob), and Bob doesn’t have insurance, Joe’s insurance carrier pays for Bob’s injuries. However, if Bob who is uninsured hits Joe and Joe suffers serious injuries? More than likely, Joe is not going to recover a dime from Bob. So when Joe pays his premium each month for the $25,000 liability policy, he is also getting the protection of uninsured motorist coverage. In this case the responsible party Joe has to pay for irresponsible drivers like Bob. An example of underinsured motorist would be responsible Joe is insured with an insurance policy with limits of $100,000 with the same amount of uninsured motorist coverage $100,000. When Joe becomes involved in an accident with another driver (Susan) who is insured but she only has $50,000 of liability coverage. In this case Susan is responsible for causing the accident. Joe’s damages consisted of $75,000, which leaves Joe’s insurance company to pay the remaining $25,000 because Susan is underinsured. The only way for Joe to recovery any of his losses is to sue the uninsured and underinsured motorists. If Joe sues and wins he still may never receive a dime from either motorist. Why should responsible Joe have to pay for irresponsible motorists in Tennessee? Why does it appear that policies are made to protect the people who do not follow the policies? I’m not sure about how you feel but I am tired of paying insurance premiums to protect myself from irresponsible motorists.
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Well, I feel the same way you do because if you cannot afford full cover insurance then you probably need to stop driving. If you are not going to be able to afford full cover insurance, then you may need to try and find a solution on at least purchasing a liability insurance policy. Liability insurance will cover the person cars to whom you have had an accident with. If you look at it the way we are then you will understand the importance of insurance.Insurance can keep you portected from being sued,creating more debts or getting your license revoked and canceled. Insurance want protect you from killing someone in an accident but at least you will be protected under the your full cover insurance. If you have someone else driving then you need to make sure that you have their name listed on your policy or purchase a policy that you may allow anyone to drive as long as they have your permission and have valid driver's license.
ReplyDeleteI agree with this post. I was in an accident once and the person who hit me didn't have insurance. This caused me to have to use my insurance and pay a $500.00 deductible. I don't think that was fair because i wasn't the one who caused the accident. I think everyone who drives should have insurance. If you can't afford full coverage you should at least get liability coverage so if you hit someone they will be covered.
ReplyDeleteInsurance has always been at the top of my expenses. I have extra coverage just to make sure everything is covered. My exhusband was paying the car insurance on my car during the divorce and I found out that for 3 months I was driving uninsured because he failed to pay the bill and tell me. I was horrified and dealt with it that day. I think if you are caught driving without insurance you shouldn't have the option of going to court and proving that you have it now. You should lose your license and not be allowed to drive. Period. It is selfish and dangerous.
ReplyDeleteThere are way too many uninsured motorists. It is a matter of personal responsibility. If you want to drive, then you must show proof of insurance. Of course, how is going to be "maintained", that is, who is going to be responsible for enforcing it? If you are caught driving without proof of insurance, then consequences are going to result. That's the big problem, laws are broken and there aren't any consequences severe enough for there to be any change. A slap on the hand just doesn't get it.
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