When your vehicle collides with another car, you can usually file an insurance claim against the at-fault driver’s auto insurance company. What if the driver does not have insurance or has liability insurance with limits lower than yours? If you suffered an injury, your wallet would take a real hit if you had to pay your own medical bills and vehicle repairs.
If you suffered injuries in an accident with an uninsured or underinsured driver, let the Law Offices of Ogle, Elrod & Baril, PLLC, help you get the maximum compensation for your financial losses and the pain and suffering you endured. Call us today at 865-546-1111 to schedule a free, no-obligation case evaluation with an uninsured motorist accident lawyer in Murfreesboro.
Driving Without Auto Insurance Is Illegal in Tennessee.
Some vehicle owners allow their insurance policies to lapse because they believe they cannot afford to pay the premium. Sometimes, motorists with numerous traffic violations have difficulties getting auto insurance because insurance carriers consider them high-risk drivers.
- $25,000 for every injury or death per car accident;
- $50,000 to cover all injuries or deaths per crash; and
- $15,000 in coverage for property damage per collision.
Uninsured motorists face a Class C misdemeanor punishable by:
- A $300 fine;
- Driver’s license suspension;
- The potential for having their vehicle towed;
- The placement of a STOP on their vehicle, which prevents them from renewing their vehicle registration; and
- Extra requirements for submitting proof of financial responsibility.
Motorists must meet all state requirements—including purchasing the minimum limits of auto insurance—if they want their driving privileges reinstated.
What Happens If I Am in a Car Accident With an Uninsured Driver?
State law requires all auto insurance providers to offer Uninsured Motorist coverage (UI) and Underinsured Motorist (UIM) coverage policies. Unless you opted out of this coverage—and provided your insurer with written notice of this rejection—you should have UI and UIM coverage equal to the liability limits of your own policy.
What Is UI/UIM Coverage?
UI coverage helps to pay your medical bills, property damage, and lost wages if you suffered injuries in an accident that occurred because of an uninsured driver’s reckless behavior.
For instance, if you have $25,000 minimum coverage for bodily injuries and the medical treatment for your injuries totaled $15,000, we can help you file a claim with your own insurance company to pay for your treatment. You also have the option to file a lawsuit against the at-fault uninsured motorist. We recommend contacting our office before you decide to file suit against the other driver, however. If the at-fault driver in your case could not afford car insurance, it is unlikely they will be able to afford a financial settlement—even if our case is successful in court.
A UIM policy covers you when a driver has insurance but the liability limits are too low to pay for your injuries and property damage. In these cases, we can negotiate a claim on your behalf with the at-fault driver’s insurance company.
Do I Need a Lawyer?
In cases involving UI and UIM coverage, our team of knowledgeable attorneys can help you navigate what can be a complex process. We can notify your insurance company of the crash. We will also let them know the at-fault driver did not have adequate insurance and we plan to negotiate a claim on your behalf to get compensation for your injuries and damages.
Will UI and UIM Insurance Cover All of My Financial Losses From an Accident?
While our attorneys have a successful track record of winning compensation in uninsured motorist cases, we cannot tell you how much your insurance will cover until we investigate the details of your crash and injuries. Once you schedule your free consultation with one of our attorneys, we can thoroughly review your auto insurance policy, medical expenses, and property damage to help you determine whether your UI policy will cover all of your expenses.
After we have a better understanding of your case, we will pursue the maximum in compensatory damages possible. We will collect the evidence we need to file a strong claim on your behalf. Then we will negotiate directly with your insurance company until they offer you a fair settlement.
When Will I Receive Compensation?
Insurance companies seldom hand over checks without challenging an accident victim’s injury claim. Auto carriers may argue that you were partially at fault for the accident as a way to reduce your compensation. They may also try to reject your claim for other reasons.
Our law firm stands up for our clients and persists in getting the maximum compensation they deserve. We will build a strong case on your behalf, making sure to provide proof that the negligent actions of the uninsured or underinsured driver caused the accident.
How Will a Lawyer Prove the At-Fault Driver’s Negligence?
During the course of our investigation, we will uncover evidence that the uninsured driver in your case acted negligently and caused the crash. To do this, we must prove that the driver had a duty to you and other motorists to drive carefully, but failed in that duty by not driving with reasonable care. As a result, the driver’s negligence caused the auto accident in which you suffered injuries, financial costs, personal losses, and property damage.
To show that you suffered injuries and incurred expenses due to the accident, we may use evidence like:
- Your medical bills;
- The police report of the accident;
- Eyewitness reports of the crash;
- Photographs and video surveillance footage of the accident scene; and
- The at-fault driver’s driving history and lack of auto insurance.
We collect documented evidence to help you build a strong insurance claim.
Call the Law Offices of Ogle, Elrod & Baril, PLLC, Today at 865-546-1111. We Get Results.
At the Law Offices of Ogle, Elrod & Baril, PLLC, our skilled legal experts can help you obtain compensation from an accident involving an uninsured motorist. We work on a contingency fee basis. That means if you do not receive compensation, we do not get paid. Contact our law firm now at 865-546-1111.