Investing in a motorcycle is a dream for many, particularly those who yearn for boundless freedom and adventure. However, as a rider, there are additional risks, especially in busier, urban areas like Memphis, TN. One of the most significant risks for motorcyclists is encountering another uninsured or underinsured driver. Securing the right uninsured/underinsured motorist (UM/UIM) policy is crucial to ensure personal and financial protection whenever you’re out enjoying the open road. At Keltner Insurance, we can help you find the right uninsured/underinsured policy tailored to your needs.

The Importance of Uninsured/Underinsured (UM/UIM) Coverage

Understanding the importance of UM and UIM coverage in Memphis is essential for drivers and motorcyclists. As a motorist in Memphis, uninsured and underinsured coverage can protect you anytime you’re involved in an accident or collision, especially if the other party or driver(s) involved are underinsured or uninsured. It’s currently estimated that approximately 20% of all Memphis drivers lack motorist insurance. Proper UM and UIM coverage offers the following benefits:

• Extended Coverage: UM/UIM coverage protects you, not any other party involved in an accident or collision when you’re on the road or open highway.
• Enhanced Protection for Repairs and Medical Costs: UM/UIM policies extend coverage to help cover vehicle repairs, physical therapy, and medical expenses.
• Peace of Mind: Maintain your peace of mind even if you’re involved in a hit-and-run accident with proper UM/UIM policies in place.

Memphis, TN, has more than 1,200 miles of roads, making it a popular hub for motorcycle riders, whether recreationally or professionally. However, this also increases the chances of encountering a driver without proper insurance. To learn more about uninsured and underinsured motorist coverage for riders in Memphis, TN, contact Keltner Insurance for your free consultation and quote today.