If you’re hit by an uninsured or underinsured driver, you may need to rely on your own policy for help. Today, T. Scott Jones answers some common questions about uninsured motorist coverage. Do I Need to Have Uninsured Motorist Coverage?  Why you need to have uninsured motorist coverage. Uninsured motorist coverage is like any other insurance coverage: it's there to protect you, particularly in the event that you're involved in an accident with injuries or [...]

The state of Tennessee was recently branded with an unfortunate mark. Among all 50 states and the District of Columbia, it is the worst state for distracted driving deaths involving cell phone use. The study, released by Value Penguin, looked at the statistics on deaths in the state connected to cell phone use and driving from 2015 to 2017. Tennessee fared miserably when compared to all other states. During this time period, more than 1,400 deaths [...]

When serious accidents happen, drivers have a duty to contact the police. A serious accident usually means that a driver, passenger, pedestrian, or bicyclist was injured. If a car isn’t drivable after a crash, that also suggests the accident was serious. A question that often arises after an accident is, What must drivers do if the car accident doesn’t cause any injuries or massive property damage? And where does Tennessee draw the line between minor accidents [...]