Tennessee is a “fault” insurance state, which means that after a car wreck, the insurance company of the at fault party should cover the damages incurred by the other parties involved. This is why all drivers are required by law to carry a certain amount of liability coverage for bodily injury and property damage.
According to the Tennessee Department of Revenue, the minimum coverage requirements per accident include $25,000 for one death or serious injury, $50,000 for all deaths or injuries, and $15,000 for property damage. Unfortunately, not everyone carries the minimum coverage or insurance at all.
According to data from the Insurance Information Institute, the uninsured motorist rate is staggeringly high in Tennessee. In 2012, about 1 in 5 drivers did not have auto insurance. If you were in a collision that an uninsured motorist caused, you may be wondering how you will recover compensation for your healthcare bills, lost income, and other damages. This is where an accident lawyer can help.
If you would like to discuss your case with a car wreck attorney in Nashville, contact the Law Office of George R. Fusner Jr. Mr. Fusner will serve as your legal ally during every step of the claims process. Call 800-427-8960 or 615-251-0005 to schedule a free consultation at your home, the hospital or Mr. Fusner’s office.
How Can I Recover Compensation after a Collision with an Uninsured Driver?
If the liable motorist does not have adequate coverage for the damages you incurred, you may be able to recover compensation from your own insurance provider. If you purchased uninsured motorist coverage, which is optional in the state of Tennessee, an experienced accident attorney can examine your policy and determine what you will need to prove in order to secure the compensation to which you are entitled.
If you do not have uninsured motorist coverage, the next best option may be to file a personal injury lawsuit against the liable motorist. Unfortunately, drivers who do not carry insurance usually do not have the funds or assets to pay for the damage they cause in accidents. Your attorney can investigate your case to determine if filing a lawsuit would be worth your time.
In a perfect world, everyone would have at least the minimum liability coverage as required by law. At the end of the day, though, you cannot rely on other motorists to meet their legal obligation, which is why purchasing uninsured motorist coverage is always a good idea to help you. Purchase as much as you can afford. It is relatively cheap. Mr. Fusner recommends at least $100,000. Further be sure to purchase med pay insurance. This will help pay for any medical bills not covered by your health insurance. Minimum limits to at least $25,000 is highly recommended. Again, this is very inexpensive insurance that protects you and your family.
If you were injured or lost a loved one in a collision caused by a negligent driver, turn to the Law Office of George R. Fusner Jr. Mr. Fusner will evaluate every element of your case to determine how best to proceed. He will help you avoid costly mistakes such as overlooking future damages or accepting a settlement too early.
Call 800-427-8960 or 615 251-0005 to schedule a free case evaluation with an accident lawyer in Nashville. You can learn more about car accident claims in Tennessee by visiting the USAttorneys website.