What Is Uninsured Motorist Coverage?

Published on: 29 August 2018 Last Updated on: 11 September 2024

You may have wondered what your Uninsured Motorist Coverage actually entailed on your car insurance policy as a Tennessee driver. You may not have known, but insurance companies estimate that almost 15% of drivers are operating without insurance. If you are struck by an uninsured motorist, there is no way for you to recover money for damages, injuries, or pain and suffering that resulted from the accident. Therefore, many insurance companies — and a growing list of states — make Uninsured Motorist Coverage mandatory in their policies. This way, you are protected in the event that you are in an accident with an uninsured driver.

What does my Uninsured Motorist Policy Cover?

The specifics of your uninsured motorist policy will vary from company to company, but in the most general terms, you and your passengers are covered for bodily injury, property damage, lost wages, or pain and suffering. Additionally, the policy-holder will be covered in the event of a hit-and-run, where it is impossible to determine who the driver was, let alone if they were insured or not. Note that your uninsured motorist policy is not the same as an UNDERINSURED motorist policy, which will cover the difference between your injuries and the maximum of the other person’s policy.

Bodily Injury Coverage

If you or your passengers suffer personal injuries in an accident with an uninsured motorist, your policy will cover medical bills, lost wages, as well as pain and suffering. Without this policy, being struck by an uninsured motorist would shoulder each individual with the burden of a lack of coverage that was out of their control. Bodily and emotional suffering are often hard to quantify in a car accident, and therefore makes a personal injury lawyer indispensable to claim what is rightfully owed. If you or your passengers have suffered bodily or emotional injury as the result of a wreck with an uninsured motorist, it is suggested you consult with a personal injury lawyer in Knoxville, TN.

Property Damage Coverage

Property damage is easier to quantify than personal injury because it will reflect the values of repairs or replacements. Even though this is the case, there are still many nuances that you must navigate to ensure you get the proper reimbursement for your situation. Consulting with an attorney is the best way to ensure that your situation is fully rectified with your insurance company and that you or your passengers will feel fairly compensated for your accident with an uninsured driver. It was not your fault that the other driver was uninsured, and it should not be your financial burden.

Am I required to have Uninsured Motorist Coverage in Tennessee?

Yes, you are required to have an uninsured motorist clause on your insurance policy in Tennessee. Hopefully, you will never be required to use this coverage, but in the event that you must, you can rest easy knowing that you are properly covered even though the other driver was fully uninsured. A growing number of states legally require each insured driver to have this additional coverage, and Tennessee is one of these states.

Read Also :

Feature image source: theandrewagency.com

Content Rally

Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

View all posts

10 Most Amazing Chemicals to Prevent Rust in Steel

As you are probably already well aware, steel that is exposed to water and air regularly can begin to badly rust. If left unchecked, that rust can eat through the metal and cause severe or irrevocable damage. The rusting process occurs only when air and water come into contact with the surface of the steel, creating a reaction referred to as iron oxide. The next time you see the typical orange and brown colored rust, you now know that it is called iron oxide. Thankfully, there are many chemical protectants that can be applied to steel that will prevent it from rusting. In the article below we'll walk you through a list that contains some of the most intriguing of these chemicals. 10 Most Amazing Chemicals to Prevent Rust in Steel 1. Chromium Oxide: This amazing metallic element is the key to making stainless steel so durable. Forged into raw steel, chromium acts as a protector of the otherwise vulnerable metal. When chromium is exposed to air, it reacts by creating chromium oxide. Chromium oxide then forms a protective coating over the top of any surrounding raw steel, not allowing it to be exposed to air or water, the two key ingredients that cause rust. Stainless steel can still corrode or rust if exposed to harsh and long-lasting moisture, however, the metal is much more durable than raw iron or other raw metals. 2. Bluing Chemicals This steel protecting chemical combination typically consists of warm water, potassium nitrate, and sodium hydroxide. When combined and applied to the surface of the steel, bluing mixtures are able to form a strong, durable, long-lasting, and powerful sealant that will stop any water or air from reaching the steel's vulnerable surface. Due to the fact that it is so durable, bluing does not need to be reapplied to steel often. It is typically thought that bluing agents can extend the life of steel by decades if it is applied correctly. Steeline Garages in Gympie can help you to come up with the proper steel garage rust-proofing strategy. 3. Oil-Based Solutions A rough and extremely durable way to protect steel and keep it from rusting is known as an organic coating. These oil-based sealants are lathered on to the surface of steel with a brush, sprayed on using an aerosol can, or wiped on using a specialized rag. Organic coatings can typically reach a surface layer thickness of 25mm, offering an extremely long lasting layer of protection to the surface of the steel. Oil-based organic sealants are usually used to protect steel that is expected to endure harsh weather elements and lots of water. Steel exposed to salty ocean water is often protected with organic sealants. 4. Epoxy There are many specialized types of epoxy resin that are chemically formulated for the sole purpose of protecting steel. They are usually formulated out of polyepoxides. They come in a semi-liquid form, allowing the steel to be evenly and thoroughly coated with the substance. Once applied, the epoxy is heat treated until it solidifies and forms a super tough sealed layer over the top of the steel's surface. 5. Acrylic Resin Commonly referred to as a thermoplastic substance comprised primarily out of acrylic acid or methacrylic acid, this semi-liquid substance can be lathered or sprayed on to any steel surface. Once the steel is covered in the acrylic resin, the resin is then heat treated in order to harden and solidify it around the inner steel surface. Once applied and heated, the acrylic resin acts as a long-lasting steel protector that can give any steel surface decades of rust-free life. Acrylic resin isn't particularly toxic and it is generally regarded as being a safe rust-proofing solution. 6. Liquid Zinc Also known as zinc oxide, this powerful metallic element is the key ingredient within galvanized steel. Forged into the steel itself, liquid zinc eventually comes into contact with air. Once exposed to air, a reaction occurs that turns the liquid zinc into zinc oxide. The zinc oxide then spreads out and surrounds the nearby steel. The layer that it forms traps the raw steel elements below its surface, forming a super tough rust-resistant protective layer. The zinc oxide reaction in galvanized steel is very similar to the chromium oxide reaction in stainless steel. 7. Polyester Sealant Grouped into the polymer category, polyester can be purchased in liquid form. Like other anti-rust or rust-proofing solutions, the liquid is sprayed, brushed, wiped, or dipped onto steel garage doors parts. Once it has been thoroughly applied, a handheld heating device is then used to harden the sealant. Once the polyester is dry, it will form a hard protective layer over the surface of your steel garage, protecting it for many years to come. 8. Nylon Sealant Classified as a synthetic polymer, nylon is a great way to seal the surface of the steel. Like many other polymers that we have already mentioned, nylon can be applied to the steel in a liquid form. Once there, it is heat treated and then hardens to form a super durable rust-proofing layer of protection. 9. Tar-Based Solutions These effective but somewhat crude sealant formulas use tar to coat the surface of the steel. The downside to using tar as a steel protector is that it smells, it is not particularly heat resistant, and it is semi-toxic. Tar sealants are usually only used to protect steel in an industrial setting. It would be unusual to use a tar based sealant in a residential setting, especially on a steel garage door. 10. High-Density Wax Coating - Wax is a great way to protect steel parts on a garage door. The wax is typically sprayed on and then it hardens on its own. Wax is known to be completely safe to handle, which is why it is typically recommended as a rustproofing for garage door parts. It can add a protective layer over your steel for many months or even years if it is applied properly. Read Also: Top Tips For Inspecting And Maintaining Your Garage

Tips for Renting a Wheelchair Van at Your Destination

For most people, travel involves making a lot of arrangements, including obtaining a rental car for the duration of the trip. Those with disabilities need to go about the process a little differently. Many individuals who use wheelchair accessible vans don’t take these vehicles with them when they travel. Rather, they prefer to rent one when they arrive at their destination. But assuming that a rental car company at the airport will be able to provide a handicap van could prove to be a disastrous mistake. Planning is essential for a successful, worry-free trip. Here are some tips to keep in mind when renting a wheelchair van at your destination. Tips To Keep In Mind When Renting Wheelchair Van At Your Destination 1. Plan Ahead Renting a wheelchair accessible vehicle is not something you can wait until the last minute. Make sure to plan and book everything ahead of time and re-confirm. This includes planning the company you will use, how you will get there from the airport, what kind of vehicle you will need, how long you will need it, how you will return the van, and what the total cost will be. This can help eliminate surprises and unnecessary frustration. 2. Look Outside of the Airport: Renting a vehicle from a kiosk at the airport includes high fees and taxes. Also, there is no guarantee that there will be a vehicle available that meets your needs. It’s often less hassle to choose a conversion van dealer off the airport. The dealer may even offer airport pick up and drop off making your rental a smooth transaction. Just be sure to call and make arrangements with the dealer in advance and re-confirm prior to arrival. 3. Does the Rental Car Company Offer Wheelchair Vans? Not all rental car companies will be able to provide a handicap van. Its best to make sure you call the rental agency at the location where you will be renting and ask if they rent wheelchair accessible vehicles. Because inventories change, it’s a good idea to speak with someone at the rental location to make sure they have an accessible vehicle. Find out the kind of accessibility they offer, such as ramps or lifts. For example, some rental companies offer adaptive equipment, but not lift-equipped vans. 4. Make Sure the Handicap Van Will Accommodate Your Needs: All wheelchair-accessible vans are not alike. Each make and model has its own specifications, features, seating, and cargo capacity. Make sure the one you choose will adequately accommodate the needs of your passengers and luggage. 5. Consider a Conversion Van Dealer: Sometimes, a rental car company simply cannot accommodate your special needs. You may need to contact someone at your destination who specializes in wheelchair-accessible vehicles. A conversion van dealer may be able to provide you with a wheelchair-accessible van to serve your needs for the duration of your trip. Whenever you make the selection of the wheelchair van in your destination keep these factors in mind. Use These Tips to Reduce Stress on Your Trip: Traveling doesn’t have to be stressful, even if you or a loved one are traveling with disabilities. Make sure your wheelchair van rental will accommodate your special needs. It will make your trip much more enjoyable and worry-free. Read Also: 6 Reasons Why Vehicles Are Now Safer Than Ever Your Essential Guide To Leasing A Vehicle In The UK Feature Image: Source

The Red Stallion’s Keepers: The Powerful Figures Behind Ferrari

Ferrari is an Italian luxury sports car manufacturer and brand that is well-known for its prancing horse logo, Rossa Corsa (or "race red") color, and sex appeal. Ferrari is still a maker of motorsports and is now a public-trade company. Enzo Ferrari, a racer and businessman, established Scuderia Ferrari in 1929 in Modena, Italy, with the goal of supplying race cars to Alfa Romeo. Alfa Romeo internalized its racing division in 1938, and Ferrari oversaw the new division for a brief period of time. After leaving Alfa Romeo in 1939, Enzo Ferrari established Auto Avio Costruzioni, a company that produced tools until 1940, when Ferrari introduced the Tipo 815, a race car. Ferrari relocated its factory and headquarters to Maranello in 1943, a few years later. The first road car to bear the Ferrari badge, the 125 S hit in 1947. But Ferrari wasn't an official automaker until Enzo Ferrari began selling vehicles under his own brand. In this article, we will be getting to the bottom of who owns Ferrari at present. Here is all the information you need on the owners of Ferrari. Early Days Of Ferrari Image Source: mwtv.in The current Prancing Horse got its start in 1939 when Enzo Ferrari founded Scuderia Ferrari, a racing team under Alfa Romeo. Following World War II, Enzo Ferrari went out on his own and started producing cars under the Ferrari brand. Production of the first Ferrari-badged vehicle began in 1947. Up until 1960, Ferrari was a private holding business. Then, it went public in 1960 as Società Esercizio Fabbriche Automobili e Corse, or SEFAC S.p.A. Soon after, Fiat acquired a portion of the business and significantly raised its investment. Does Fiat Own Ferrari? Image Source: d2hucwwplm5rxi.cloudfront.net No, but Fiat did once own a sizable portion of Ferrari. In 1969, Fiat S.p.A., also known as Fabbrica Automobili Torino, or the Italian Automobile Factory of Turin, acquired a 50% stake in Ferrari. Fiat never owned the entirety of Ferrari, even though it increased its stake to 90% in 1988 (Enzo Ferrari owned the remaining 10%). This was the arrangement until 2014, when Ferrari S.p.A. and FCA split apart by Fiat Chrysler Automobiles N.V. October 2015 marked the start of the official separation, which ended in January 2016. Ferrari N.V. was formed as the Ferrari Group's new holding company during this separation. FCA sold its ownership share, and the business was listed on the New York Stock Exchange. Piero Ferrari, the son of Enzo Ferrari, remained the owner of the 10% of the company's shares that his father had previously owned. Ferrari Shareholders: What Company Owns Ferrari? Public (67.09%) Exor N.V. (22.91%) Piero Ferrari (10%) The general investing public is Ferrari's principal shareholder. Enzo Ferrari's second son Piero also owns a sizable portion of the business, and Exor N.V. completes ownership. The owners of Exor N.V. are the descendants of Giovanni Agnelli, one of the original founders of Fiat. Ferrari is still headquartered in Maranello. They take great pride in being one of Formula 1's most enduring and successful competitors. They simultaneously hold the position of being a genuinely world-class automaker. Even with its fame, it is still a relatively boutique operation that only produces a small number of cars annually. This is reflected in Ferrari's valuation, which places it among the top ten automakers in the world by market capitalization at more than $51 billion. The Alfa Romeo Connection Image Source: etimg.etb2bimg.com Despite having a long history together, Ferrari does not own Alfa Romeo. Although Alfa Romeo is owned by Fiat Chrysler, Alfa Romeo and Ferrari were once one and the same. After all, it was under the Alfa Romeo name that Enzo Ferrari initially established the Scuderia Ferrari racing team. Although Enzo Ferrari started competing for Alfa Romeo in 1920, he founded Scuderia Ferrari in 1929, which later became Alfa Romeo's official racing team. But after leaving Alfra Romeo in 1939, Enzo founded his own independent racing team in 1948 and didn't look back. Ferrari: The Legendary Sports Car Phenomenon Millionaire and passionate Ferrarista Robert Herjavec has described the experience cleverly. “This is where the Ferrari world is kind of like the Vatican. It's very mysterious. There are a lot of trinkets you have to wear and a lot of rings you have to kiss." Owning a Ferrari, according to Hollywood and some urban legends, is either a cliché for midlife men or the height of kitsch, a sign of the nouveau riche who have too much money and too little taste. Owning a Ferrari is actually a very different animal from owning any other kind of vehicle. Purchasing a Ferrari is not like purchasing a typical car. You don't simply walk into a dealership with a wallet full of hundreds of thousands of dollars and walk out with one of the brand's vehicles. Concerning a limited edition series, the situation usually becomes even trickier. From the time you decide to buy a Ferrari to the point at which you have to decide whether to buy another one, Ferrari controls every aspect of ownership. In other words, to paraphrase Herjavec from a 2014 Wired interview, Ferrari chooses you, not the other way around. You typically consider yourself fortunate to be among the privileged few. Enjoying the "epitome of motor technology today" (as Herjavec put it) is subject to a rigorous set of regulations. This has sparked numerous online debates and thought pieces. The fine print on the bill of sales and the controversy surrounding the introduction of limited edition cars largely hint at the precise nature of these regulations. Owning A Ferrari: Trivia Image Source: derivative.ca As previously stated, no matter how full your wallet is with cash, you don't just walk into a Ferrari dealership and expect to drive off in a brand-new car. You can forget about going into the dealership to purchase a limited-edition car. While the majority of car dealerships will check your credit to see if you can afford the payments on the vehicle you're about to purchase from them, Ferrari goes above and beyond that. It's said that men over 40 who have a clean record and a good reputation are preferred. Because simply being wealthy does not qualify you to be seen behind the wheel of a Ferrari. Wrapping Up Even with ownership shifts over time, Ferraris are still manufactured in Maranello, Italy. Ferrari has never forgotten what sets its brand apart: superbly designed, finely engineered supercars. If you have thoughts to share or questions to ask about who owns Ferrari, please leave a comment below. We would love to hear from you! Learn More About: 6 Reasons Why Vehicles Are Now Safer Than Ever Brand Ambassador Application – How To Find A Brand Ambassador? Why You Should Choose Used Cars Canandaigua NY Over Brand New Vehicles?

What Is Uninsured Motorist Coverage?

What does my Uninsured Motorist Policy Cover?

Bodily Injury Coverage

Property Damage Coverage

Am I required to have Uninsured Motorist Coverage in Tennessee?

5 Hot Spots to Take Your High-Performance Ride in Miami

What Do You Need To Change Car Rims?

Content Rally

Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

Leave a Reply

Popular

Technologies For Creating A Startup Idea

How to Download Facebook Videos on Android?

7 Rules of Effective Ecommerce Web Design

The 10 WordPress Plugins Every Sucessful Blogger Uses

Follow Us

Recent

How to Choose a Gift That Matches Their Personality Perfectly

Discover the Best Carrier Oils for Hair & Skin

How Modern Technology is Transforming Dental Care Solutions

What to Expect from Upcoming IPOs in the Next Quarter

Related

10 Most Amazing Chemicals to Prevent Rust in Steel

Tips for Renting a Wheelchair Van at Your Destination

The Red Stallion’s Keepers: The Powerful Figures Behind Ferrari

What Is Uninsured Motorist Coverage?

What does my Uninsured Motorist Policy Cover?

Bodily Injury Coverage

Property Damage Coverage

Am I required to have Uninsured Motorist Coverage in Tennessee?

Share this Article

5 Hot Spots to Take Your High-Performance Ride in Miami

What Do You Need To Change Car Rims?

Content Rally wrapped around an online publication where you can publish your own intellectuals. It is a publishing platform designed to make great stories by content creators. This is your era, your place to be online. So come forward share your views, thoughts and ideas via Content Rally.

Leave a Reply

Popular

Follow Us

Recent

Related