Hit by a Driver with No Insurance?
Nashville Uninsured Motorist Lawyer for UM/UIM Claims
Tennessee law requires insurance companies offer uninsured and underinsured (UM/UIM) coverage as part of a policy, but people can opt out of UM/UIM coverage in writing. Many people do opt out of this coverage: Some do so because they just signed the waiver and did not read the paperwork, some are concerned with keeping the premiums on the policy low, and most people like to think they will never have an uninsured motorist accident.
If you have been hit by a driver who caused a car accident with little to no insurance coverage and are unsure about filing an insurance claim, you should speak to our uninsured motorist lawyer as soon as possible.
Is Uninsured Motorist Coverage Required in Tennessee?
While Tennessee does require companies offer UM/UIM, the state does not require drivers to have this coverage. While it is understandable that Nashville residents wish to keep their policy premiums low, waiving UM/UIM insurance can be a huge mistake. Our personal injury law firm sees injured people many times a year who have been hit by uninsured motorists. Many of these victims have a difficult time getting money from the driver at fault for to cover their injuries, hospital bills and car repairs.
We always recommend purchasing UM/UIM coverage in the largest amount you can afford. This will help guard against unexpected, but not uncommon, car accidents with uninsured motorists. Unfortunately, some motorcycle, truck and car accidents with underinsured or uninsured drivers can result in extreme financial hardships, foreclosure and bankruptcy when those involved are unable to work because they are recovering from injuries and do not have the money to pay their medical or household bills.
Protect Your Family from Accidents with Underinsured Motorists
Even if the other driver has minimum insurance coverage, it is often not enough to cover the full amount of accident damages. This is known as an accident with an underinsured driver. Purchasing UM/UIM coverage means if the amount of damages exceeds the amount the at-fault driver’s insurance policy will cover, your own insurance company will compensate for the difference.
Personal Injury Lawsuits Against Uninsured Drivers
If the other driver at fault has little or no coverage and you do not have UM/UIM insurance, there may be another option. A person hit by an uninsured driver can sue the driver in civil court for damages. Once a judgment is rendered, the innocent driver will have to collect the money from the driver at fault, which can include liens on property and/or wage garnishment.
Reach Out to Our Nashville Uninsured Motorist Lawyer for Free Legal Advice
If you were hit by an uninsured or underinsured driver, you may feel overwhelmed and worried you will have to pay out of pocket for the damages not covered by insurance. Car accident lawyer in Nashville TN Stan Davis can help you look at your options and create a strategy to help you pinpoint all the possible sources of car accident compensation that may be available.
Call our Nashville uninsured motorist law office for more information, or fill out our online form to schedule a free review with our attorney today. Our legal services span across the state, including our work on behalf of Hendersonville, Antioch and Gallatin residents hurt in accidents caused by the negligence other drivers.