Tennessee Ranks Third Nationwide for Fatal Hit-and-Run Crashes, Highlights UM/UIM Coverage Importance

A recent analysis using 2023 data from the National Highway Traffic Safety Administration (NHTSA) highlights Tennessee as the third highest state in the U.S. for fatal hit-and-run crashes. With 102 fatal incidents, the state's rate stands at 1.40 deaths per 100,000 people, representing a significant public safety concern. Additionally, 8.37 percent of all fatal crashes in Tennessee involved drivers who fled the scene, complicating victim compensation efforts.

This trend has notable implications for insurance coverage and risk management. Victims of hit-and-run crashes often face challenges in securing compensation due to the absence or unidentified status of the at-fault driver. The situation underscores the critical role of Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages in auto insurance policies, which protect insured parties when the other driver is uninsured, unidentified, or inadequately insured.

In Tennessee, minimum auto liability limits are set at $25,000 per person, which may be insufficient in severe accidents leading to costly medical expenses and lost income. UM and UIM coverages provide financial protection beyond these limits, filling gaps when the responsible party cannot be held financially accountable or lacks adequate insurance coverage.

For those carrying umbrella insurance policies, it is important to verify whether UM coverage is included, as it often requires a specific endorsement. An UM endorsement on an umbrella policy can offer an additional $1 million or more in protection, enhancing financial security against losses from hit-and-run and uninsured driver incidents.

As the rate of hit-and-run fatal crashes climbs nationally, and with Tennessee positioned as a high-risk state, insurance professionals should emphasize the value of adequate UM/UIM coverage in managing exposure and advising clients effectively. This trend highlights emerging market needs and compliance considerations tied to state liability minimums and coverage gaps.