The stress of a car accident is exacerbated when the other driver doesn’t have the insurance. Despite current road laws requiring motor insurance, nearly 20% of Tennessee drivers drive uninsured.
That’s right! One in four drivers on the road have no insurance, thus increasing the liability of everyone else on Tennessee roads. If an accident does occur with a person who has no car insurance, it could leave you with few options, especially if your injuries are severe.
If you’re in an collision with a driver that doesn’t have insurance, you should wait for the authorities to arrive to take a an accident report. Be sure to take note of the at-fault driver’s car and clothes. If the other driver was operating their vehicle under the orders of an employer this may help you find alternative sources of financial recovery after the accident.
Enlisting the help of a skilled Nashville car accident attorney is one of the best ways to make sure you explore every angle when looking for compensation for your accident. If you’ve been in an accident with an uninsured driver, Steinger, Green & Feiner can help you. Call our Nashville office for a free consultation at (615) 590-3106 and we can get started on your case today.
Paying for Your Expenses After a Nasvhille Car Accident With an Uninsured Driver
Tennessee law does not require all drivers to carry Personal Injury Protection (PIP) insurance. However, the person who caused the car accident is liable for damages regardless of whether they have insurance.
Tennessee is an at-fault state which means that if a driver is found at-fault, they are legally responsible for damages and injures.
In Tennessee, an injured victim can either file a claim directly with their insurance company, file a claim against a third party’s insurance company, or file a personal injury lawsuit against the driver in civil court.
If you have Medpay, it may cover a smaller portion of your medical fees; though not enough to rely on fully, especially if your injuries are particularly bad. Many insurance companies offer Uninsured/Underinsured Motorist (UM) coverage to add on to your normal plan.
This is usually a safe option in Tennessee due to the extremely high rate of uninsured drivers on the road. You should contact your insurance company as soon as possible if you believe the other driver in an accident is uninsured.
Seeking Damages from the Uninsured Driver
Usually, if a driver is uninsured, they may have a strained financial situation. This makes it difficult to seek restitution from them in court due to their lack of assets. Even if they are personally wealthy, they may not have enough liquid income to compensate you for all of your damages, even under a court order.
Legal action can be taxing, lengthy and costly. Be sure to ask a Nashville lawyer for a free consultation before you make your decision. You can also find no-fee guarantee law firms that only collect payment if you win the case.
Seeking Damages from Another At-Fault Party
In some cases, it may be possible to identify another party that can be assigned responsibility in an accident. For instance, in Nashville truck accidents, the employer of the driver can be held liable for certain damages.
Other cases may include taxis or other private vehicles. In any of these situations, bringing in a third-party company or organization is likely to add complexity to your case and is a good indication that legal assistance from a skilled Nashville car accident attorney may help.
Help from a High Rated Nashville Accident Attorney
Steinger, Greene & Feiner have been helping victims of car accidents win cases like yours since 1997. We understand the frustrations and fears that come with a bad car accident.
Rather than continue down this road alone, we want to offer a helping hand when dealing with the repercussions of a Tennessee accident with an uninsured driver. We can schedule a free consultation today, at no risk to you. Call us at (615) 590-3106 and we will get working on your case as soon as possible.