Uninsured & Underinsured Accident Attorney
Uninsured and Underinsured Motorist Claims
If you've been involved in a car crash and the other driver has no insurance, or not enough insurance to cover your injuries, you aren’t necessarily out of options.
At Witherington Injury Law, we can evaluate your situation and determine if you may have other resources available to help pay for your recovery. Don't assume the worst before speaking with an uninsured & underinsured motorist lawyer. Contact our firm today to learn more about your options.
We are dedicated to assisting those who have been affected by motor vehicle accidents no matter what the situation. If you are feeling hopeless following a run in with a driver who lacks insurance, call us. We will do our best to find a solution.
If you’ve been injured in a car crash, don’t wait. Schedule a free, no obligation consultation with our uninsured driver injury attorney in Nashville now.
Check Your Own Insurance
Whether the other driver immediately sped away or has minimal insurance that won't cover your costs, the first place to look is to your own insurance. You may have a provision in your insurance plan that pays for situations like these. We are happy to assist you with this process.
Tennessee Car Insurance Laws
In Tennessee, drivers are required by law to have liability insurance (Tennessee Code Annotated Section 55-12-102(12)). Drivers who comply with Tennessee's current insurance requirements ("Financial Responsibility Laws") have insurance policies that provide at least $25,000 of liability coverage per person and $50,000 of liability coverage per accident.
Unfortunately, many drivers in Tennessee do not comply with the Financial Responsibility Laws and have no liability insurance. Drivers in Tennessee who do not have the required insurance policies risk conviction of a Class C misdemeanor and suspension of their driver's license.
What Happens if You're in a Car Wreck That Is Caused by an Uninsured Driver?
If the negligent driver does not have liability insurance, then your best bet for recovery may be the uninsured motorist coverage available to you under your own auto insurance policy.
Uninsured Motorist Coverage
Uninsured motorist coverage is designed to help you pay for bills associated with a car wreck that was caused by a driver who does not have insurance. Uninsured motorist coverage can help pay for medical expenses, lost wages, and other damages caused by a driver who does not have insurance.
When pursuing benefits through the uninsured motorist coverage available under your auto policy, you are making a personal injury claim against your own insurance carrier for the damages caused by the uninsured driver. Your insurance company generally will evaluate and treat your claim just as they would the liability claim of a third-party. In Tennessee, an insurance company cannot raise your insurance premiums or cancel your policy because you make a claim for uninsured motorist coverage benefits (Tennessee Code Annotated Section 56-7-1201(f)).
What If Your Insurance Doesn't Help?
If you know who hit you and you know that person doesn't have insurance, you may be able to sue them if they were at fault for the crash. It's possible, however, that someone who doesn't carry adequate car insurance may not be able to pay you money in a lawsuit, either. Depending on the circumstances of your crash, there still may be other sources of compensation for your claim. Make sure to speak with our Nashville uninsured accident lawyer to explore every potential option for your recovery.
Schedule your free initial consultation today by calling us at (615) 697-6503 or by writing to us online. We look forward to evaluating your case and determining how we might be able to help.
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