While Tennessee enforces a minimum car insurance requirement, many drivers choose not to carry adequate coverage. The Insurance Research Council (IRC) reports that in 2019, 23.7% of drivers in Tennessee did not have car insurance—one of the highest rates in the nation. Not carrying this insurance places drivers and others at grave financial risk if a car accident occurs.
If you were injured in a car accident caused by an uninsured or underinsured driver, our team at Cory Watson Attorneys can help. You have options for seeking compensation, and a Nashville uninsured motorist accident lawyer at our firm can discuss them with you during a free consultation.
Why Choose Cory Watson Attorneys
We’ve won over $3 billion in compensation for victims of various types of accidents, including:
Our team has a 38-year history of fighting for personal injury clients, no matter how big or how small the case may be. We put our hearts into our work—from individual claims and lawsuits to mass tort cases and class actions—and it shows in our case results.
Hear From Our Previous Nashville Clients
- “I have had the pleasure of working with Attorney Hamilton Jordan on multiple occasions. He is an incredibly skilled attorney, who can handle a variety of personal injury cases.” — William Hagood
- “Amazing, they’ve helped me every step of the way. Will recommend them to everyone. Great law firm.” — Chancey Brewer
- “Honest, dedicated professionals that treat clients like family.” Melanie Nolan
- “Cory Watson is hands down the best firm!” Amber Duncan
For a free legal consultation with a uninsured motorist accidents lawyer serving Nashville, call 877-562-0000
Seeking Compensation From an Uninsured Driver in Nashville
Tennessee is a fault state, meaning drivers who cause motor vehicle accidents are liable for damages and injuries their victims suffer. Generally, those damages would be covered by their car insurance up to policy limits, but if a driver does not have the mandatory insurance, it leaves the people they hurt in a precarious situation.
Tennessee requires residents in Nashville and around the state to meet the following insurance coverage minimums:
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per car accident
- $15,000 for property damage per car accident
Drivers are not required to carry uninsured/underinsured motorist protection in Tennessee. However, it is strongly recommended, as it provides protection in the event of a car crash with a driver who has inadequate coverage. It also covers hit-and-run accidents.
This is often the best option for recovering compensation in a Nashville car accident caused by an uninsured motorist, but it’s not the only option. We’ll explore different ways you could recover accident damages in Nashville below.
Uninsured/Underinsured Motorist Insurance Benefits
UM/UIM coverage functions similarly to third-party liability or bodily injury liability insurance, with a few exceptions discussed below. Without this supplemental insurance, you could be left responsible for paying all your car accident-related expenses, even if the collision was not your fault. You and your family or household are typically covered by uninsured motorist coverage for medical bills.
However, do not mistake the right to file a claim against your UM/UIM coverage with the insurance company’s willingness to pay. They may not offer the full amount of coverage available under your policy or deny your claim entirely.
Don’t fret—that’s where our uninsured motorist accident attorneys serving Nashville come in. We have the resources, manpower, and knowledge to negotiate with insurance companies for a successful claim.
In Tennessee, uninsured motorist policies do not cover damage to your vehicle or other property. Instead, drivers have the option of purchasing collision coverage for their vehicle, which pays for:
- Repairs in collisions you cause
- Uninsured motorist property damage (UMPD) coverage, which will kick in after a wreck caused by an uninsured or hit-and-run driver
Suing the Driver in a Nashville Uninsured Motorist Accident
You have the legal right to sue the at-fault driver for any damages their insurance policy doesn’t cover. In the case of an uninsured driver, that means all of your damages.
Tennessee law allows personal injury victims to claim both economic and non-economic damages in court. For example, you may be able to recover money for:
- Medical expenses
- Household services
- Lost wages
- Loss of future earning capacity
- Vehicle and other property damages
- Other car accident-related expenses
- Pain and suffering (emotional distress, physical pain, scarring/disfigurement, impaired body parts, loss of consortium, etc.)
Our firm could help you file a lawsuit in Nashville against the negligent driver to recoup any damages you can. If apersonal injury suit is the right choice for your compensation, our innovative personal injury lawyers will search for and assess every viable source of compensation the negligent driver may have.
Other Alternatives for Compensation in an Uninsured Motorist Accident
If there are other liable parties in your car accident case, you can trust that we’ll do everything in our power to find them and hold them accountable. You deserve to be made whole again, and you should not have to foot the bill for someone else’s negligence.
Potentially liable parties in your uninsured motorist accident case may be:
- Car and car part manufacturers
- State or municipal governments for certain road conditions
- Employers whom the uninsured driver was working for at the time
- Companies and large corporations whose business or actions contributed to the accident in some way
Nashville Uninsured Motorist Accident Lawyer Near Me 877-562-0000
Don’t Panic Over an Uninsured Motorist Accident – Call Cory Watson Attorneys
If you were in a crash caused by an uninsured driver in Nashville, our team at Cory Watson Attorneys is here to help. Our uninsured motorist accident lawyers can examine your case and help you pursue the compensation you deserve. You have rights and options—call us today to discuss them.