Dealing with an Uninsured Driver After an Accident in Tennessee: Understanding Your Options and Uninsured/Underinsured Motorist Coverage 🚗💥
Courtney Cotter
Being involved in a car accident is already a stressful event, but things can become even more complicated if the at-fault driver does not have auto insurance. Unfortunately, this scenario is common in Tennessee, leaving many individuals unsure of what steps to take next. However, there is a vital safety net that you may have — uninsured/underinsured motorist (UM/UIM) coverage — this can make a significant difference in situations like this.
Understanding the Challenge
When someone hits you and they are uninsured, it can present several challenges. In Tennessee, all drivers are legally required to carry auto insurance, but not everyone adheres to this law. Without insurance, recovering compensation for your injuries and damages might seem impossible, especially if you do not have uninsured/underinsured motorist coverage.
The Importance of UM/UIM Coverage
Uninsured/underinsured motorist coverage acts as a safeguard in scenarios where the at-fault driver lacks insurance or carriers insufficient coverage to fully compensate you for your losses. This coverage steps in to protect you in situations where the other driver is unable to cover your medical bills, lost wages, and other expenses resulting from the accident.
What Should You Do?
Contact The Authorities: Immediately report the accident to the police and gather as much information as possible at the scene. Collect the other driver’s details and eyewitness accounts, even if the driver is uninsured.
Seek Medical Attention: Your health should be top priority. Seek medical help regardless of how minor your injuries may seem. Some injuries might not manifest immediately but could have serious implications if left untreated.
Notify Your Insurance Company: Report the accident to your insurance company as soon as possible. Inform them that the other driver involved is uninsured. This allows your insurer to start processing your UM/UIM claim.
Gather Evidence: Document the accident scene by taking photos, noting the location, and preservig any evidence, such as damaged property or injuries.
Consult an Attorney: Consider seeking legal advice from a knowledgable personal injury attorney specializing in uninsured/underinsured motorist claims in Tennessee. They can guide you through the process and advocate for your rights.
Why UM/UIM Coverage is Crucial in Tennessee
Tennessee law mandates that insurance companies offer uninsured/underinsured motorist coverage to policyholders. While it is not mandatory to purchase this coverage, it is highly recommended due to situations like these where uninsured drivers cause accidents. UM/UIM coverages become your protection, ensuring you have recourse for medical bills, lost wages, and other damage caused by an uninsured driver.
Dealing with an uninsured driver after an accident in Tennessee can be overwhelming, but having uninsured/underinsured motorist coverage can provide you with the necessary support. Remember, even though the law mandates insurance, not everyone follows it, making UM/UIM coverage a crucial safety net for your and your loved ones.
If you have been involved in an accident with an uninsured driver, do not hesitate to seek legal counsel and explore your options with your attorney regarding UM/UIM coverage. Your rights and financial well-being matter, and UM/UIM coverage can serve as a critical lifeline in such challenging circumstances.
Hiring an attorney can ensure you receive the full and fair compensation you deserve. At Cotter Law it is our priority to take on the fight with the insurance company while you focus on recovering from your auto accident. Fill out the form below or call Cotter Law today to schedule your FREE consultation at (865) 888-7155 to speak with an experienced attorney.