Do I Need Uninsured Motorist Coverage if I Have Health Insurance in Tennessee?

Post By Corey Heit

Car insurance can become a tad complicated when you start looking at and understanding the different types of coverages that are available to drivers, including things such as Tennessee underinsured motorist coverage or Tennessee uninsured motorist coverage.

This kind of motorist coverage may be required by your state and can help to cover a number of different costs in case you are involved in a car accident.

What is Uninsured Motorist Bodily Injury Coverage in Tennessee?

Two insurance coverage types, uninsured motorist coverage, and underinsured motorist coverage can help to cover out-of-pocket costs when you are involved in an accident with another driver who does not have liability insurance or someone who does not have enough liability insurance to cover things such as medical bills.

Uninsured and underinsured motorist coverage can be further broken down into four different categories:

  • Uninsured motorist bodily injury
  • Uninsured motorist property damage
  • Underinsured motorist bodily injury
  • Underinsured motorist property damage

Each variation of Tennessee underinsured motorist coverage has specific areas and circumstances that they will cover, such as uninsured motorist bodily injury for Tennessee will typically cover costs when an at-fault driver has caused the car accident.

Do I Need Uninsured Motorist Coverage if I Have Health Insurance?

The broad answer to the question of “do I need uninsured motorist coverage if I have health insurance” is it is going to depend on what state you are living in. Some states do require drivers to have uninsured motorist coverage.

And other states may require your insurance company to offer you the potential for uninsured motorist coverage. If you do not want this particular kind of insurance, you will need to reject it in writing.

With that in mind, many insurance agents will typically recommend that you keep Tennessee underinsured motorist coverage if you are able to even if you have health insurance. Ultimately, unless your state requires you to carry uninsured motorist coverage, it will be up to you if you want to keep the coverage on your insurance alongside having your health insurance.

Should you have specific questions tied to uninsured motorist bodily injury in Tennessee, reach out to our Nashville-based office for a free consultation.

Do I Need to Have Tennessee Uninsured Motorist Coverage?

Now onto the more specific question of if you need to have Tennessee uninsured motorist coverage. The state of Tennessee does not require drivers to have coverage for uninsured motorist bodily injury, but it does need to be offered to drivers by your insurance company through any auto insurance quote they provide.

If you do have health insurance already, having uninsured motorist bodily injury in Tennessee will be up to you.

When making the decision of whether or not you want to have Tennessee uninsured motorist coverage, it can be important to remember that Tennessee uninsured motorist coverage can pay for things such as:

  • Medical bills
  • Any lost wages you might accrue due to the car accident
  • Possible funeral expenses
  • Compensation for pain and suffering (which can include any emotional or physical injuries that may occur following the car accident)

Reach Out to An Attorney With Your Tennessee Underinsured Motorist Coverage Questions

From our Nashville office, Heit Law LLC is here to answer questions or concerns you might have tied to the ins and outs of Tennessee uninsured motorist coverage. Corey Heit of Heit Law is an experienced car accident lawyer in Nashville TN who represents clients in Nashville and the surrounding areas on a complete contingency fee basis. This means that you do not pay attorney fees unless the case is won.

For further questions or to schedule a free, initial consultation reach out to Corey Heit online or at 615-962-3000 today.


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