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Nashville Underinsured & Uninsured Motorist Lawyer The Help You Need When You Need It Most

Underinsured and Uninsured Motorist Accident Attorney in Nashville

Hit by a Driver with No Insurance?

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 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 lawyer as soon as possible.

Attorney Stan Davis offers free consultations to explore all the options you may be able to take, which may include filing a claim against the other driver’s insurance policy, filing an underinsured/uninsured driver claim against your own policy, and/or filing a lawsuit against the driver at fault.

Is Uninsured Motorist Coverage Required in Tennessee?

While Tennessee does require that companies offer UM/UIM, the state does not require drivers to have this coverage. While it is understandable that policy holders wish to keep their premiums low, waiving UM/UIM insurance can be a huge mistake. Our personal injury law firm sees many injured people 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.

Can I Sue the Uninsured Driver Who Hit Me?

Even though the law requires every driver to purchase a minimum of insurance protection, many drivers fail to do so. When these drivers cause an accident, you need to know the options available to recover your damages.

Typically, any damages caused by a vehicle accident are covered by the insurance of the at fault driver. In cases where the other driver does not have car insurance, filing a lawsuit against them may not make sense. This is because any judgment you gain for damages must come from their own pocket. This money can be hard, if not impossible, to receive. Filing a claim with your underinsured and uninsured motorist coverage (UIM) insurance policy can be the most effective way to obtain compensation for the damages.

However, it is not always easy to deal with an insurance company — even your own — to receive the funds you need to make a full financial recovery after an auto accident. Ask an attorney what you need to know about handling this type of insurance claim and how having a lawyer on your side could make all the difference.

Reach Out to Our 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. Attorney 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 law office at (615) 866-3938 for more information or fill out our online form to schedule a free review with our attorney today.

Your Success Is Our Success

Real Injuries. Real Recoveries.


  • $900,000 Settlement Negligence

    Nashville wrongful death attorney Stanley A. Davis successfully gained this settlement for a tort action involving a wrongful death lawsuit that did not require a trial. The victim’s sole heir was compensated for the loss of his father who was killed as a result of the Defendant’s negligence.

  • $425,000 Settlement Spine Injury

    A middle-aged man was rear-ended by another driver who was not paying attention. He suffered a closed head injury as well as a spinal cord injury. The injured man continues to suffer from loss of memory, vertigo, and headaches.

  • Supreme Court Upholds Non-Economic Damage Caps

    According to the Chattanooga Times Free Press, the Tennessee Supreme Court has set aside a previous ruling by a Hamilton County judge who said that laws capping certain damages in personal injury lawsuits are unconstitutional.

  • $193,500 Verdict Soft-Tissue Injuries

    Our Nashville car accident attorney gained a jury verdict for a soft tissue injury sustained in a car accident. This case included close to $20,000.00 in medical bills, pain and suffering, loss of enjoyment of life, and lost wages.

  • $425,000 Recovered Premises Liability

    A middle-aged man sustained injuries on the premises of a retail store in Tennessee due to the defendant’s negligence. This injured man was diagnosed with a bulging disc in his neck and suffered headaches.

  • $240,228 Verdict Soft-Tissue Injuries

    Our Nashville truck accident lawyer gained a jury verdict for a truck accident that caused soft tissue injuries. The amount was reduced by 27 percent, which accounts for the victim’s comparative fault.

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  • "Stanley Davis is an excellent attorney."
    Attorney Davis came through for me at a very difficult time in my life. I am truly grateful for him and his staff and would highly recommend his services. Even when my case was settled, the professional and friendly relationship didn’t end.
    Madelene G.
  • "I highly recommend and would not trust anyone else!"
    I recommend anyone to this firm as they treat you like a human being and not a number. I was clueless about the law in these situations... They took care of me more than I even imagined.
    Christina R.
  • "Highly Recommend"
    Mr Davis helped me on my case. He and his staff were very friendly and professional. I would definitely recommend Davis Law Firm to work your personal injury case for you!
    Nashwa N.
  • "I highly recommend this company."
    Stan and his team were great! When I had my accident I got caught up with solicitors, they did a great job getting me out. Stan handled my case with care and got me the max with my settlement.
    Breasia S.
  • "The Absolute Best Attorney in Nashville"
    Stan and his team have a "never give up" attitude and always put your best interest above their bottom line. This isn't your typical law firm. They're just good, honest people fighting to make sure you get what you deserve from your case.
    Geoff H.
  • "Stan Davis and his staff are beyond amazing!"
    The time and effort they put into my case blew my mind. Any questions, concerns, reservations, or fears I had they laid them to rest as well as provided me with reassurance.
    Nikki R.
  • "Look no further, Stanley A Davis and his team are here for YOU!"
    Stan and his team treated me like family. The communication, respect, and care for their clients here are incomparable.  I wasn’t just a number here. I was their client, their friend. They are top-notch.
    Zoraida P.
  • "The firm offers a phenomenal experience and staff."
    Circumstances regarding personal injury are unpleasant and uncomfortable. Contacting the firm granted expertise and reassurance. If I ever had to use a personal injury lawyer again, I would call the Law Office of Stan Davis.
    Jolene D.