TENNESSEE AUTO INSURANCE GUIDE
Tennessee UM/UIM Anti-Stacking & Multiple Insurance Policies
Tennessee’s UM/UIM statute permits policy provisions that limit aggregation in circumstances authorized by law. Available recovery therefore requires policy-by-policy analysis rather than simply adding every stated UM/UIM limit.
- Identify every potentially applicable UM/UIM policy and vehicle.
- Review each policy’s limit-of-liability, other-insurance and anti-stacking provisions against Tenn. Code § 56-7-1201.
- Determine insured status and policy priority before calculating available limits.
- Account for statutory treatment of amounts available from the at-fault driver’s liability coverage.
Primary Tennessee Source
Tenn. Code § 56-7-1201 — UM/UIM Limits and Policy Provisions
Current-law review: September 17, 2026. Do not assume Tennessee UM/UIM limits stack without reviewing the statute and every applicable policy.
VictimsGuide 