Seek Compensation for Injuries Caused by an Uninsured Driver
Tennessee law requires all drivers to carry insurance coverage. Unfortunately, not all citizens are law-abiding and operate their vehicles without adequate insurance. Tennessee has one of the highest rates of uninsured motorists in the country. A fifth (20 percent) of Tennessee drivers are uninsured – the sixth highest rate of uninsured drivers in the country.
In the event that you’re injured in a car accident with an uninsured motorist, not only can you file a claim with your own insurance company, but you can take legal action as well.
Work With Injury Attorneys Who Have 25+ Years of Experience
At Bill Easterly & Associates, our Nashville uninsured motorist accident lawyers are dedicated to helping individuals like you seek the compensation they deserve. Our team of dedicated and compassionate legal professionals has a combined total of over 25 years’ experience in the field of personal injury law.
Through this experience, we have gained extensive knowledge of the legal processes necessary for winning settlements that can allow victims of negligence to recover and move forward. We have made it our mission to hold drivers accountable for their careless and reckless actions.
How Our Lawyers Can Help With Your Uninsured Motorist Claim
Our priority is to take on the burden of dealing with the important legal and financial issues so that you can focus on your health and recovering from your accident. Car accidents with uninsured drivers often cause severe injuries. The recovery period is often long and difficult. You don’t need the added stress of dealing with insurance companies while you’re trying to heal.
At Bill Easterly & Associates, our dedicated personal injury lawyers stand like a shield between you and the chaos that can follow a collision caused by a driver without insurance. Our experienced legal team will:
- Collect evidence from all parties, documenting your accident and what caused it.
- Gather medical records and special evaluations if necessary to document the extent of your injuries, your long-term prognosis, rehabilitation needs, and required assistance.
- Interview to witnesses to establish how the accident occurred and who was to blame for the accident.
- Call on our team of experts to reconstruct the accident or provide special insights that could prove valuable in your case.
- Manage all communications and negotiations with insurance companies – including “your” insurance company that provides UM/UIM coverage – keeping you safely out of the crossfire.
- Pursue every avenue for maximum compensation to demand justice from all responsible parties and all sources of insurance coverage – including your policy.
While you are focused on putting your life back together after a serious accident, you can relax knowing that the committed Nashville uninsured motorist accident attorneys at Bill Easterly & Associates will stand up for your rights and seek the compensation you need.
How Can a Nashville UM/UIM Lawyer Help Me?
Unfortunately, in many circumstances, an uninsured motorist may not have the assets or property available to successfully pursue a lawsuit against them. However, our firm can conduct investigations into the individual’s credit and assets to find evidence of hidden money that can cover the damages that he or she has caused you. If we find that an uninsured motorist has valuable property, we can fight to ensure that he or she is held accountable for his actions.
In the event that an uninsured motorist does not have the money to cover the costs of your injury, we can help you file a claim with your own insurance company. Since insurers do not always have your best interests in mind, it can be difficult to pursue this type of claim. However, we can help you stand up to your insurance company to seek the recovery that you need.
How Much Auto Liability Coverage Do Tennessee Drivers Have to Carry?
Insurance coverage is required in Tennessee, and drivers who do not carry it may be subject to fines, license suspension, and sometimes jail time. Tennessee law sets minimum levels of liability insurance coverage, but you are free to carry better coverage than the minimum. While some drivers do carry additional coverage, too many drivers go without any insurance.
Minimum coverage for liability insurance in Tennessee is:
- $25,000 for bodily injury
- $50,000 for bodily injury when 2 or more people are hurt
- $15,000 for property damage
Liability coverage is for injuries suffered by other drivers, passengers, or other victims of an auto accident. There are other types of policies available to provide comprehensive property damage, collision coverage and personal injury protection (PIP), but they are not required by law in Tennessee.
What Is UM/UIM Coverage?
Uninsured motorist/underinsured motorist coverage (UM/UIM coverage) is also required by law in Tennessee, so if you have liability coverage, you will also have UM/UIM coverage.
UM/UIM coverage is intended to pay for injuries if you are in an auto accident and the driver at fault either does not have liability insurance, or their insurance is too little to cover your injuries.
Just as for liability insurance, the minimum coverage for UM/UIM is $25,000 for bodily injury, $50,000 for bodily injury when 2 or more people are hurt, and $15,000 for property damage.
Under your uninsured motorist policy, you may be covered for the following:
- Your own injuries sustained while driving or riding in your car
- Injuries you suffered while driving or riding in a car you that is not yours
- Injuries caused by a vehicle while you were traveling as a pedestrian or a cyclist
- Injuries to a relative that was driving or riding in your car
- Injuries to other permitted individuals driving or riding in your car
Will My Rates Increase If I Submit a Claim for UM/UIM Coverage Benefits?
Some people who are in an accident with an uninsured or underinsured motorist may be reluctant to file a claim with their insurance company because of fears that their insurance premiums will go up.
Fortunately, at least in Tennessee, there is no need to worry. It is actually a violation of Tennessee law for an insurance company to raise your insurance premium or cancel your coverage because of a claim for UM benefits. So you should go ahead and file that claim. It can only help you.
What Is ‘Bad Faith’ by an Insurance Company?
Sometimes an insurance company will deny a claim without good reason to do so. In some cases, that may be a violation of the law. The legal term for it is “insurance bad faith.” The Supreme Court of Tennessee calls insurance bad faith, “an insurer’s disregard or demonstrable indifference toward the interests of its insured.”
Under Tennessee law, you may have a cause of action for bad faith on the part of the insurance company if:
- The insurance policy has become due and payable.
- A formal demand for payment has been made.
- Sixty days have passed between making the demand and filing suit unless there was a refusal to pay during that time.
- The refusal to pay was not in good faith.
Damages that can be recovered in this kind of case include what the insurance company should have originally paid, attorney’s fees or other costs resulting from the denial of the claim, and possibly payment for emotional distress if the conduct at issue was outrageous and caused mental injury.
Get a Free Consultation with a UM/UIM Claim Lawyer in Nashville
If you were injured in a car accident caused by the negligent or careless actions of an uninsured motorist, our attorneys believe that you have suffered enough.
At Bill Easterly & Associates, in Nashville, we are committed to helping you pursue the full compensation that you deserve so that you can make a full and quick recovery. Our Nashville uninsured motorist accident lawyers work on a contingency fee basis, which means that you will owe us a fee only if we recover a favorable verdict or settlement for you.
You have nothing to lose by getting started. Call us at (615) 244-2222 to schedule your free case evaluation.