I live in Tennessee and was badly hurt in a car wreck in Tennessee. My medical bills for the injuries received in the wreck exceed $100,000. The driver who caused the wreck only has $25,000 in liability insurance and I have the same amount in uninsured / underinsured motorist coverage. What are my rights?
You have the right to go to trial, prove the fault of the driver who caused the wreck, prove the nature and extent of your damages, and let a judge or jury decide the value of your case. If the value of the case exceeds the amount of insurance that the at-fault driver has (and it would under the facts you have stated above) you can attempt to collect the extra amount from the driver who caused the wreck.
Under Tennessee law, you will not be able to collect to collect any monies from you uninsured / underinsured motorist carrier because the amount of insurance the at-fault driver is equal to your UM / UIM coverage. The law of some states would permit you to collect money from your own insurance company under these circumstances, but not if the UM / UIM policy was issued in Tennessee.