Tennessee does not require drivers to carry Uninsured Motorist (UM) coverage but you'd be wise to consider paying a little extra for it. According to a 2007 study by the Insurance Research Council, as many as 20% of the state's drivers are uninsured, making it the 6th least covered state in the country. UM will protect you in case your in an accident with one of those uninsured drivers. Major insurance companies have offices in Nashville, Memphis, Knoxville and Chattanooga. For more information on auto insurance requirements in Tennessee, contact the Tennessee Department of Commerce and Insurance (http://www.state.tn.us/commerce/index.shtml).

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