10/02/2026
Studies estimate that roughly one in five drivers on Tennessee roads carries no automobile insurance at all. That figure is likely higher in Shelby County and the greater Memphis area, where economic pressures lead many motorists to let their coverage lapse or drive without any policy in place.
Uninsured Motorist (UM) coverage is a component of your own automobile insurance policy that steps in to compensate you when you are injured by a driver who has no insurance at all.
Underinsured Motorist (UIM) coverage addresses a different but equally-common scenario: the at-fault driver has insurance, but not enough of it to fully compensate you for your injuries and losses.
Read more on our website here: https://tinyurl.com/hmmonum
UM and UIM claims require a lawyer who understands both personal injury law and insurance bad faith law — and who is willing to litigate aggressively when an insurer refuses to pay what a claim is worth. At Hackett, Maldonado and Moore, we have handled UM and UIM claims throughout the Memphis area, from minor impacts that produced serious injuries to catastrophic crashes that changed our clients' lives forever.
UM and UIM claims require a lawyer who understands both personal injury law and insurance bad faith law — and who is willing to litigate aggressively when an insurer refuses to pay what a claim is worth.
At Hackett, Maldonado and Moore, we have handled UM and UIM claims throughout the Memphis area, and we work on a contingency fee basis — you pay nothing unless we win.
