Uninsured Motorist In Tennessee

Uninsured Motorist in Tennessee Uninsured motorist in Tennessee and any other state is a very important need. Everyone should have auto insurance if you own a vehicle. According to a recent Insurance Research Council nationwide study if someone is injured in an automobile accident, the chances are 1 in 7 that the at-faultdriver is uninsured. In Tennessee, the estimate3d percentage of uninsured motorist is 21%. www.tennlawblog.com/dan-berexas-tennessee_law/unsured-motorist-coverage.html There are so many benefits to having uninsured motorist coverage. This coverage is designed to protect a driver in the event that they are in an accident and the other party's insurance policy is not able to cover part or all expenses. Many states do require that you have insurance for your car however it is not mandatory that you have uninsured mototist coverage. In Tennessee, the determination of issues concerning uninsured motyorist coverage is goverened by a combination of statues, law of contracts and common law presedent. The Tennessee Legislature has set out various statues that deal with this type of coverage. See Tenn Codd Ann 56-7-1206. Contract interpretation is required, because technology an insurance polkicy is a contract between the insurer and insured. Generally, Tennessee courts will interpret the policy within the confines of its plain and ordinary meaning, unless there is some proof of fraud or mistake at the time of the creation of the agreement. Because the unsurer drafts the p9olicy, any ambiguity within the policy will be likely held against it. Common law comes to play,l as well because legal issues involving negligence, fault and causation generlly arise in uninsured motorist matters.