🚗 Coverage GuidesUpdated: September 2, 2026
Uninsured & Underinsured Motorist Coverage in Memphis (UM/UIM): Why 20% Uninsured Rates Matter
By Memphis Car Insurance Editorial & Underwriting Research Team
Protecting against hit-and-run and uninsured drivers: Tennessee uninsured motorist bodily injury (UMBI), property damage (UMPD), and deductible waivers.
Tennessee consistently ranks among the top states for uninsured motorists, with over 20% of drivers lacking active liability insurance. In Memphis and Shelby County, Uninsured Motorist (UM/UIM) coverage is indispensable.
1. UM / UIM Coverage Structure in Tennessee
| UM Policy Type | Typical Deductible | What It Covers | Hit-and-Run Protection |
|---|---|---|---|
| UM Bodily Injury (UMBI) | $0 | Medical bills, lost wages, funeral costs if hit by uninsured driver | Yes (Immediate coverage) |
| UM Property Damage (UMPD) | $200 (TN Standard) | Vehicle repairs or total loss payout when at-fault driver has no insurance | Yes (Requires police report within 24h) |
| Underinsured Motorist (UIM) | $0 | Pays remaining damages when at-fault driver carries only $25k minimums | Yes |
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Memphis Car Insurance Editorial & Underwriting Group
Our analysts specialize in Tennessee statutory insurance laws (TCA Title 55), Shelby County accident risk models, SR-22 certification requirements, and localized premium rate reduction strategies.
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