Common Questions about Uninsured Motorist Protection

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Common Questions about Uninsured Motorist Protection

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 property damage with an individual that is uninsured.

Unfortunately, not everyone is responsible in the State of Tennessee, and particularly in East Tennessee. When you find yourself in that situation, you need to access that uninsured coverage, and you need to contact me, T. Scott Jones, at Banks & Jones. I can be reached at 865-546-2141, or at, and I want to Play 2 Win for you.

Does My Uninsured Motorist Coverage Protect Me if I am in Another Person’s Vehicle, or if I am a Pedestrian?

Does uninsured motorist coverage protect you when you’re in someone else’s vehicle, or possibly when you’re walking down the street as a pedestrian? And the answer is a surprising yes. That’s one of the reasons that you need to purchase uninsured motorist coverage, and when you find yourself in that situation, there are some particularities that have to be accomplished in order to trigger the coverage that you have paid for.

So when you are involved in an accident, whether you are a guest passenger in someone else’s car, or you are a pedestrian, give us the opportunity at Banks and Jones to serve you. I want to Play 2 Win for you, and you can reach me at 865-546-2141 or at


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