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.

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Tie Downs: Are They Effective at Load Restraining?

Unrestrained loads are one of the biggest causes of accidents on our roads today. This is why ensuring your load is safely secured is paramount before embarking on a journey. Forget the short cuts: A thorough job –with the right equipment—is crucial if you expect to reach your destination with your cargo intact. But what can you use to secure your load? There are many options at your disposal from nets to corner plates. However, we believe straps—ratchet tie downs in particular—are extremely effective at securing loads. We’ll outline all you need to know about these units including the different types so you’re prepared for your next journey. Why Bother With Tie Downs For Effective Load Restraining? Is this a priority? Maybe the following scenarios resulting from not utilizing them will shed some light as to their importance: Accidents: It may cause trucks to overturn because of the unbalanced weight distribution of the load in question. Damage to property: This includes either damage to your vehicle as well as the cargo being transported. Loss of lives: Injuries are likely to occur when these kinds of accidents happen. In worst case scenarios, it can lead to loss of lives whether it’s yourself, other motorists or pedestrians in the vicinity. Types of Tie Downs The one you pick will depend on the gear and load you’re hauling. However, these are the five most common types. Ratchet Tie Down Straps: These are by far the most popular among most fleet owners. We suppose the fact that they’re deemed the most secure way to tie down heavy loads has something to do with it. They are known to provide the most strength and security, especially for the larger loads. Just make sure you check the load rating of the straps before you use them on something heavy. Plus they’re quite versatile as load restraints in many scenarios: You can use them either on the trailer, roof rack or bed of your truck. The downside to using this type is they’ll probably take you some time to figure out how they work. Note that given the nature of the hardware, we can’t entirely eliminate the risk of them damaging your load in transit. But for their effective performance, we think they are worth trying out. Lashing Straps: If you find the cost of the ratchet straps too steep, you can opt for the lashing straps. Not only are they less expensive options but you’ll appreciate that they’re easy to use. They’re the ideal pick for the lighter loads such as securing surfboards or plastic cargo bins. Two things you don’t have to worry about are these lashing straps crushing or damaging your cargo. Bungee Cords: One thing you’ll appreciate about this type is the versatility. You can use it to wrap cargo of all types and sizes. However, you can only use them to secure very lightweight items such as plastic items. Nylon Ropes: This is also another inexpensive option. The trick lies in mastering how to tie more than a couple of knots. You can consider learning the power hitch: The good thing about this knot is you can use it in almost every situation. Stratchits: Last but definitely not least on our list are Stratchits. These are by far the easiest tie downs to use when securing your cargo. Also, you get the best of both worlds: The strength and user-friendliness associated with lashing straps plus the versatility that comes with bungee cords. Another thing is they are adjustable: They can be adjusted from anything between 22” to 63”. Have any chairs or bicycles you want to transport? You can consider these and they’ll work just fine. What Determines the Number of Tie Downs You Use? When dealing with tie downs it’s important to note just how many to use to effectively secure your load. It’s really not about how many you can find just before embarking your trip: There are rules involved. Generally, the number will depend on the length and weight of cargo you’re transporting as stated below. When to Use One Tie Down It’s very possible to use only one tie down but only when your cargo is: Shorter than 5ft Weighs less than 1100lb When to Use Two Tie Downs Two tie downs can be used in the following scenarios: Cargo is 5ft or shorter and weighs more than 1100lb If it’s longer than 5ft but definitely not longer than 10ft When to Use Four Tie Downs You can use a minimum of four tie downs if your cargo is heavier than 10000lb. Additional tie downs can be used if your cargo is at least 10ft or longer. It’s strongly advisable to add one tie down for every additional 10ft just for reinforcement. Regardless of the number of tie downs you use, it’s in your best interests to always check the number of tie downs you need before carrying your load. Not only that but are they in a satisfactory condition? Always make sure of that for optimum performance. Final Words It’s pretty clear: Tie downs are pretty effective at securing loads. You just have to pick what matches your vehicle, load and not forgetting your budget. The most important thing is that you invest in one to avoid any unnecessary accidents. Your decisions determine whether you stay in control during your journey. Read Also: 4 Things You Need To Know About Commercial Truck Insurance Why You Need To Choose High-Quality Spare Parts For Your Truck

5 Most Important Motorcycle Safety Tips All Riders Need to Know

Your helmet's off, your hair's blowing in the wind, and you're cruising down the highway with the sun setting in bright oranges and reds. Life is good, right? As good as life may be in the moment, you may be putting your life and others at risk through reckless driving and ignoring basic rules. Even if you mean well, it's important to know how to ride a motorcycle safely, so today we'll take a look at five critical motorcycle safety tips. 5 Most Important Motorcycle Safety Tips All Riders Need to Know According to the National Traffic Highway Safety Administration, motorcyclists are 27 times more likely to die in traffic accidents than any other vehicle. Being a single rider going upwards of 75 miles per hour in the fresh air leaves you open to so many dangers. Not only that, you're potentially putting the lives of other drivers and passengers at risk. In fact, if you've experienced the loss of a loved one through a motorcycle accident and don't know what to do, learn more here. But if you're going to be proactive and learn some motorcycle driving tips, let's get into some of the most important ones now. 1. Always Wear the Proper Gear: Never ever go for a ride on your motorcycle without safety gear. Please know that buying this is very easy as you can buy motocross gear from an online store with a single click. This will help you stay safe in the event you get into an unfortunate accident. You've heard it since you were five years old and learning to ride a bike with training wheels, and maybe you're sick of hearing it, but ALWAYS WEAR A HELMET. Riding a motorcycle without a helmet can certainly feel nice, but it is by far the most protective piece of equipment you can (and should) be wearing. Other important gear includes: Face shield Eyewear (even prescription glasses or sunglasses counts for something) Padded jackets Padded gloves Padded pants Riding boots Heavy-duty riding boots are good for grip when using the clutch and keeping balance. The rest of the clothing protects you from the elements when you're out in the open and gives you that much more padding if you were to go flying. 2. Drive Carefully and Defensively: Motorcycles are fast compared to other vehicles. You're just a single person on a smaller, aerodynamic vehicle able to rip through traffic. Make sure to always obey all traffic rules, though, such as speed limits, yield signs, and more. It's especially important for you as a motorcyclist to drive defensively as it may be more difficult for people in larger, enclosed vehicles to see you. 3. Always Be Visible: Speaking of being seen, make sure to wear colors that make you stand out and to drive in a way that you're easily seen by other drivers. Avoid black and dark brown clothing and stick to brighter colors or use neon strips and tape. Avoid other driver's blindspots if you can. 4. Be Awake and Be Sober: This is true for anyone operating any kind of vehicle, but make sure you don't drive when you are tired or intoxicated. You may be focusing more on the sober aspect than the awake aspect, but it's crucial to only drive when you're fully awake and alert. Being sleepy can reduce your reaction time to obstacles and potential accidents. 5. Start Your Ride the Right Way: Every time you hop on your motorcycle, remember to follow procedures beforehand so that you can ride safely. In particular, do these every week: Check tire pressure Check for oil leaks Test your headlights, taillights, and signal lights Check all hydraulic and coolant fluid levels Also, do these every time you ride: Check that clutch and throttle are smooth and operational Adjust mirrors Test the firmness of your brakes Test that your horn works These are basic checks that shouldn't take you any time at all and could prevent massive amounts of damage, injury, and maybe even deaths. Seeking More Advice and Tips for Riding Safely Riding a motorcycle is thrilling, and if it's something you enjoy, you should certainly take advantage of the open road. But it's especially important to follow basic motorcycle safety tips since you are at much more risk than drivers in other vehicles. If you'd like to see more riding tips or more advice on vehicles in general, check out our other automotive blog posts! Read Also: Along For The Ride: Passenger Rights In-Vehicle Accidents How To Choose The Right Motorcycle Tires For The Motorcycle

There Is A Pothole Problem In America – How To Protect Your Car From Damage?

Drivers around the United States are complaining of potholes on the roads. In fact, there is a serious pothole problem in America. The AAA released their recent study report - which reveals that potholes cost the Americans drivers $3 billion a year. A pothole can damage your car other than making your ride bumpy. The suspension system of your car gets messed up when you drive over a pothole. On the other hand, potholes can bend the wheels of your car and puncture them in the process. Pothole-related repair costs can vary depending on the type of damage to your car. RepairPal is a good online tool to get an estimate on specific types of car repairs. Your location and other variables can affect the cost of repairs. In fact, the average repair cost will be around $300. You should contact a mobile mechanic Houston for assistance in this regard. $300 is a lot of money. For that amount of money, you can easily take your family to Disneyland. It is a pity that we have to deal with potholes on our road network since the government is responsible for providing its people with safe roads and bridges for travel. Potholes would make most of you mad. In fact, you should be writing to Congress and telling them to fund the road development projects in your area. There is at least one pothole in your daily commute. In fact, most people are complaining about it. Then there is another one and another one - which go on and on. These potholes are quite annoying and will damage your car upon impact. Public works associations have been repairing a lot of these potholes lately with the assistance of the public. Most potholes need urgent repairs today. You should pressurize the city councils to get the work done immediately. The city is not responsible for the damage caused to your car due to potholes on the roads - unless the work crews were negligent. Since the city doesn't insure the streets, they are not responsible for repairing damaged cars under the prevailing law. The American Automobile Association conducted a survey in 2016 and found out that potholes on the road networks have caused damages to the vehicles contributing to more than $3 billion per year for the last five years. Many public works associations have promised to repair potholes on roads within 48 hours of receiving a complaint from a resident. If you run into a pothole while driving, here are some tips to avoid them - courtesy of State Farm Insurance. Drive on familiar roads. In fact, you can easily avoid potholes when you drive on roads that are familiar to you. Make sure that you travel on roads that are well-lit. You will be able to see the surface of the road while driving in the night when the road is well-lit. Slow down and you can easily spot a pothole and avoid it while driving. Avoid tailgating. It is important that you give yourself time to be able to see the road conditions ahead when driving behind another vehicle. Brake before the impact. When you aggressively apply brakes, there is a greater load on the tires, wheels, and suspension system of the car. This can cause more damage to your car. That is why it is important that you brake at a distance before the impact. AAA provided the following tips: Check your tires for proper inflation at regular intervals. The tires are the main cushion between the wheels and suspension on your car and the pothole. Hence, it is important to check the inflation on a regular basis. Prevent swerving. Use your rear-view mirror before trying to avoid a pothole. It is important to prevent the risk of a collision. Listen for strange vibrations from the car. Pothole impacts can bend or break the suspension components in your car. It may also damage tires and wheels and dislodge wheel weights. Check the wheel alignment. A pothole can affect the steering of the car. It may knock the wheels of the car out of alignment in the process. How Do You Prevent Damages To The Car From Potholes? Driving is all about coping with potholes and traveling safely. In fact, damaged wheels and tires will leave motorists stranded at the side of the road - thereby leaving their wallets empty. The new Ford, Lincoln, and Mercury vehicles go through a stringent testing process in order to prevent damages caused by chuckholes. Ford uses several proving grounds in order to validate its vehicle designs such as Romeo, Mich., and Dearborn, Mich. These grounds are filled with different types of torture devices to test and improve the durability of the vehicle. The engineers at Ford design spare parts up-front to deal with these potholes. They balance these parts for numerous other custom driving conditions. The engineers will tune shock rebound rates in order to keep the wheel and tire suspended to glide over the pothole. This will prevent the tire from dropping into the pothole and impacting the edge of the tire and wheel. Ford Motor Company Offers Drivers Several Tips To Prevent Damage To The Vehicles From Potholes: Keep the tire pressure constant at the manufacturer's recommendation. This will help protect the wheels and tires from being damaged due to the impact of the pothole. Don't swerve to avoid a pothole. It creates a situation where the front wheel and tire hit the edge of the hole at an obtuse angle. This can do more harm than hitting the pothole squarely. If you are safe, don't brake as soon as you see a pothole. Instant braking will compress the car's front suspension and force the wheel and tire down the pothole without gliding over it. In fact, even if you drive very carefully, there is a chance of having a flat tire on the highway. Drive slow to the closest safe area out of traffic. Even though this can damage the flat tire - your safety is more important. If you suspect your car has been damaged or feel a sudden vibration, reduce your speed immediately. Drive slowly until you can safely pull off the road. Inspect your tires for damage. If the tire is flat, replace it with the spare wheel. If you can't find a cause, get your car towed to the nearest repair shop and have a mobile mechanic Houston inspect your car.

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.

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Related

Tie Downs: Are They Effective at Load Restraining?

5 Most Important Motorcycle Safety Tips All Riders Need to Know

There Is A Pothole Problem In America – How To Protect Your Car From Damage?

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

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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