Please don’t ever decline getting Uninsured/Underinsured Motorist coverage on your auto insurance policy. This coverage helps pay for your medical injuries and your vehicle’s damage if another driver with little or no insurance hits you.
Approximately half of the people driving out there in Middle Tennessee either don’t have enough auto insurance, or don’t have any at all. You can’t choose who crashes into you, and there’s good chance that if someone does, they may not have enough, or any, insurance to pay for yours and your passengers’ medical injuries, plus damage to your vehicle. I’ve seen the benefits of Uninsured/Underinsured Motorist coverage first-hand, and you don’t want to be without it, especially while driving in the Cool Springs area during the holidays!