Tennessee requires UM at your liability limits, treats a driver as uninsured when the available limits are less than your UM limit, pays UM as your limit less the limits collectible, never adds limits across vehicles or policies, and gives you generally one year to sue. Enter your limits, damages and the other driver's limits to see what is available.
Enter your policy limit, your damages and the other driver's liability limits.
Tennessee's rules are in T.C.A. 56-7-1201 (required UM, stacking and how UM pays) and 56-7-1202 (what counts as uninsured). The deadline is in 28-3-104 and the extension for minors in 28-1-106.
Read how stacked and single-limit coverage differ in Tennessee, check what section 56-7-1201 says, or see how Tennessee UM and UIM work.
A local personal injury attorney can review your claim — many offer a free consultation.
This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Tennessee statutes. Confirm how these rules apply to your specific case with a licensed Tennessee attorney.