Nashville Uninsured/Underinsured Accident Attorney
If you were recently injured in an accident with an uninsured/underinsured driver in Nashville, you are facing more than just physical pain. The stress of overwhelming medical bills, lost wages, and the uncertainty of how to move forward when the at-fault driver does not have enough insurance to cover your costs can be too much to bear.
Your Nashville car accident lawyer with Larry R. Williams, PLLC knows how frustrating it can be to handle a claim against an uninsured/underinsured driver. Have your Nashville uninsured/underinsured accident attorney from our firm handle the legal details of your claim so you can focus on recuperating from your injuries.
What is the Difference Between Uninsured and Underinsured Drivers?
Understanding the difference between uninsured and underinsured drivers can significantly impact how you approach your case. Both situations present their own challenges, but knowing and understanding the distinction will help you explore your legal options more effectively:
- Uninsured drivers – These drivers lack any form of car insurance, leaving you with limited options for compensation unless you have the appropriate uninsured/underinsured motorist (UM/UIM) coverage through your own insurance policy.
- Underinsured drivers – These drivers carry insurance, but their coverage is insufficient to fully compensate you for your damages. For example, if the at-fault driver has only purchased the minimum amount of coverage as required by Tenn. Code Ann. § 55-12-102(12)(D), you could receive $25,000 from the liable party’s insurance for medical costs and if your expenses exceed that amount, you will need to pursue other legal options.
In either case, you could be facing significant obstacles to securing the full compensation you deserve. Your skilled Nashville truck accident lawyer from Larry R. Williams, PLLC can help you consider all possible avenues for financial recovery.
How Your Uninsured/Underinsured Motorist Coverage Works in Nashville
If you were involved in an accident with an uninsured/underinsured driver, your own insurance policy might offer a lifeline. Uninsured/underinsured motorist (UM/UIM) coverage can help cover your medical expenses, lost wages, and property damage if the at-fault driver’s insurance is insufficient or nonexistent.
What is UM/UIM Coverage?
This type of insurance covers your damages when the at-fault driver does not have enough coverage or none at all. This is important for situations where the responsible party’s policy does not meet the full value of your financial losses.
How to File a UM/UIM Claim
After an accident, before you reach out to your insurer to provide the necessary documents like police reports and medical records, contact your Nashville personal injury lawyer for guidance to advise you on what to say or not to say. Your insurer will then assess your claim and determine how much compensation you may be entitled to.
When UM/UIM Coverage Does Not Apply
In some cases, UM/UIM coverage may not apply, such as if you are partially at fault for the accident, a violation of Tennessee’s modified comparative fault laws as established by the Tennessee Supreme Court’s McIntyre decision, or if your policy excludes certain types of coverage.
Consult a Trusted Nashville Uninsured/Underinsured Accident Attorney for Help Today
Being involved in an accident with an uninsured or underinsured driver can leave you facing overwhelming medical bills, lost wages, property damage expenses, and the stress of wondering how you will make ends meet. With a highly experienced Nashville uninsured motorist lawyer from Larry R. Williams, PLLC, we can ease your burden by helping you pursue every available opportunity for compensation.
You should never have to struggle through such difficult times alone. Contact us today for a free consultation and let us help you take the next step toward a brighter tomorrow. You can reach us by phone or through our easy-to-use contact form to meet with a trial-proven Nashville uninsured/underinsured accident attorney today.