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Uninsured and Underinsured Accidents

Nashville Uninsured & Underinsured Motor Accident Attorney

Legal Help for Uninsured & Underinsured Motorist Accidents in Nashville

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. Make sure to speak with our Nashville uninsured accident lawyer to explore every potential option for your recovery.

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.

Review Your Insurance Policy for Uninsured Motorist Protection

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.  Our Nashville uninsured accident lawyer is happy to assist you with this process.

Understanding Tennessee's Mandatory 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.

Recovering Damages from an Uninsured Driver in Tennessee

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.

Maximizing Your Uninsured Motorist Coverage Benefits

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)).

The Difference Between Uninsured and Underinsured Motorist Coverage

When involved in a car accident, the financial burden can be overwhelming, especially if the at-fault driver has little or no insurance. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage are essential protections that can help you recover damages in such situations. Though they may sound similar, these two types of coverage serve different purposes. Understanding the difference can ensure you're adequately protected.

Uninsured Motorist (UM) Coverage

Uninsured Motorist (UM) coverage is designed to protect you if the at-fault driver has no insurance at all. In Tennessee, drivers are required to carry liability insurance, but many fail to comply with this law. If you’re in an accident with an uninsured driver, UM coverage helps pay for your medical bills, vehicle repairs, lost wages, and other damages.

UM coverage also applies in hit-and-run accidents, where the responsible driver flees the scene, and their identity is unknown. As long as your policy includes UM coverage, you can seek compensation from your insurance provider, even if the driver is never found.

Underinsured Motorist (UIM) Coverage

Underinsured Motorist (UIM) coverage comes into play when the at-fault driver has insurance, but their coverage limits aren’t enough to fully cover your damages. For example, if the other driver only carries the minimum required coverage of $25,000 in Tennessee, but your medical bills total $75,000, your UIM coverage can pay the difference.

UIM coverage ensures that if the at-fault driver’s insurance doesn’t fully compensate for your injuries or property damage, you can still recover the remaining costs up to your own policy limits.

Key Differences Between UM and UIM Coverage

  • Uninsured Motorist (UM) Coverage: Applies when the at-fault driver has no insurance.
  • Underinsured Motorist (UIM) Coverage: Applies when the at-fault driver has insurance, but their coverage isn’t enough to cover your full damages.

Why Both UM and UIM Coverage Are Important

In Tennessee, many drivers carry only the state minimum insurance, which may not be enough if you suffer serious injuries or significant property damage. UM and UIM coverage provide crucial protection in these situations. They help cover medical costs, lost wages, and other damages, preventing you from being financially burdened after an accident.

Adding both UM and UIM coverage to your auto insurance policy ensures you're protected in case you’re involved in an accident with an uninsured or underinsured driver. These coverages can provide peace of mind and ensure you have the financial support you need to recover.

Alternative Compensation When Insurance Isn't Enough

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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