A Safeguard to Uninsured and Underinsured Auto Insurance

A Safeguard Against Uninsured & Underinsured Motorists

At RedStone Law, Attorneys Mike, Morgan & Mark see too often how serious injury victims are left with little recovery because the at-fault driver lacked adequate insurance. That’s why making sure you’re protected with your own uninsured (UM) and underinsured (UIM) motorist coverage is a critical safeguard.

Why This Protection Matters

• Approximately 1 in 8 drivers nationally are uninsured. In Tennessee, up to 1 in 4 drivers may lack insurance.
• The minimum liability limits in Kentucky and Tennessee (e.g., $25,000/$50,000) haven’t increased in years, yet medical bills, lost wages and pain & suffering frequently far exceed those amounts.
• If the at-fault driver’s policy is exhausted, your UM/UIM coverage can step in and compensate you for medical expenses, lost income, and non-economic losses like pain, suffering and loss of earning capacity.

What to Check on Your Policy

• Confirm you carry Uninsured Motorist Bodily Injury (UMBI) and Underinsured Motorist Bodily Injury (UIMBI) coverage.
• Make sure your limits are meaningful—$100,000/$300,000 is a commonly recommended minimum.
• Review whether your property damage is covered under UMPD (Uninsured Motorist Property Damage) or UIMPD (Underinsured Motorist Property Damage).
• Ask your agent if higher limits are available—often, the premium increase is modest but the risk is significant.

What RedStone Law Does for You

Our team:

• Reviews your auto-insurance policy to identify and activate UM/UIM rights.
• Coordinates claims so you’re not left exposed when the at-fault driver’s coverage falls short.
• Works to maximize your recovery by leveraging all available insurance sources—not just the at-fault party’s policy.
• Protects you from “cheap” insurance traps: low premiums often mean inadequate protection when you need it most.