Uninsured & Underinsured Driver Accidents

Nashville Uninsured & Underinsured Motorist Accident Attorney

Uninsured & Underinsured Driver Accident Claims in TN

When one or more drivers involved in a car accident are either underinsured or uninsured, the situation can become complicated. Tennessee, like many states, requires drivers to carry minimum liability insurance to cover others' injuries and property damage in an accident they cause. However, these minimums may not be enough to cover your losses, especially for serious injuries. This is where uninsured motorist (UM) and underinsured motorist (UIM) coverage come in. The laws in Tennessee are different from other states in that one cannot settle with a liability carrier unless he or she has permission from his or her uninsured or underinsured carrier to do so.

Otherwise, the individual could forfeit this right.

This is just one example of the specific nuances involved in underinsured and uninsured accidents. That is why it is so critical to hire a lawyer with extensive experience with underinsured and uninsured driver accidents and knowledge of the laws pertaining to them. For more information from a law firm that is highly experienced and skilled in uninsured/underinsured accident cases, schedule a free initial consultation today.

You can contact us online or by calling (615) 933-2893 to reach one of our Nashville UM/UIM attorneys.

What is Uninsured Motorist (UM) Coverage?

Uninsured motorist (UM) coverage protects you and your passengers from financial losses caused by a driver who has no liability insurance at all. This can include medical bills, lost wages, pain and suffering, and car repairs.

What is Underinsured Motorist (UIM) Coverage?

Underinsured motorist (UIM) coverage protects you and your passengers when the at-fault driver has some liability insurance, but not enough to cover your damages. For example, if the at-fault driver only has the state minimum coverage of $25,000 per person for bodily injury and you sustain a serious injury with medical bills exceeding that amount, UIM coverage would kick in to cover the difference.

Why is UM/UIM Coverage Important in Tennessee?

According to the Insurance Research Council (IRC) in 2022, around 14% of motorists are uninsured. Insurance Institute Information provided a list of states with the highest estimated percentage of uninsured motorists - Tennessee ranked 4 out of 10 in this list at almost 21%. This means the chances of being involved in an accident with an uninsured driver are higher than you might think. Having UM/UIM coverage provides peace of mind knowing you'll have financial protection even in these situations.

Additional Information About UM/UIM Coverage in Tennessee

  • Minimum Coverage: Tennessee does not require drivers to purchase UM/UIM coverage, but it's highly recommended.
  • Stacking: Tennessee allows "stacking" of UM/UIM coverage, meaning you can combine the coverage limits from multiple vehicles on your policy.
  • Rejection: Insurance companies may offer UM/UIM coverage at a lower rate, but you have the right to reject it in writing. Be sure to weigh the risks and benefits before making this decision.
  • Time Limits: There are strict time limits for filing a UM/UIM claim with your insurance company. It's crucial to understand these deadlines and act promptly after an accident.

The Complexity of Uninsured or Underinsured Motorist Accidents

Unless a case is handled by an attorney who understands the specific laws applicable to underinsured or uninsured driver accidents in Tennessee and how they apply to your specific case, a case can get very complicated very quickly. There are specific statutes that need to be followed in order to make sure your rights are protected as well as your ability to obtain coverage under the uninsured/underinsured motorist's policy. There are special burden of proof standards and other details that only the most skilled of attorneys can help you with. Let our experienced Nashville accident attorneys who have handled underinsured/uninsured cases for decades help you today.

We can go over the specifics of your case in a free consultation. Contact us today.

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    Randy Kinnard and Mary Ellen Morris of Kinnard Law obtained the largest verdict in Weakley County history for their 23 year-old client.

  • $6.5 Million Medical Malpractice

    A woman went into the hospital for a tubal ligation. The doctor put a small hole in her large colon during the procedure and did not recognize it.

  • $5 Million Wrongful Death

    On October 2, 2014, a Nashville jury held a pediatric clinic and local hospital accountable for the wrongful death of 22-month-old Ryder Laurent.

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