Tennessee Uninsured Motorist Accident Lawyers
Being hit by an uninsured or underinsured driver can leave you facing enormous expenses for medical bills, lost wages, and vehicle repairs—with no clear way to recover. At Fox, Farley, Willis & Burnette, we help injured motorists throughout the state pursue compensation when the at-fault driver doesn’t have enough insurance. As experienced Tennessee uninsured motorist accident lawyer advocates, we know how to navigate the insurance system and fight for the full recovery our clients deserve.
Understanding Uninsured and Underinsured Motorist Claims in Tennessee
Tennessee law requires drivers to carry minimum liability insurance, but many motorists fail to comply—or carry policies that barely meet state minimums. When these drivers cause accidents, victims may be left without adequate coverage to pay for their injuries or property damage.
Our attorneys handle uninsured and underinsured motorist (UM/UIM) claims involving:
- Hit-and-run drivers who cannot be located
- Drivers without valid insurance policies
- Drivers whose insurance coverage is less than your damages
- Accidents involving out-of-state or commercial vehicles
- Multi-car crashes where liability is unclear
We work directly with your insurance company to pursue every dollar available under your UM/UIM policy.
What to Do After an Accident with an Uninsured Driver
If you’re hit by a driver who doesn’t have insurance—or who flees the scene—it’s important to act fast.
- Call 911 and report the accident to law enforcement.
- Get medical treatment right away and keep detailed records.
- Gather witness information and photos of the damage.
- Notify your insurance provider promptly.
- Contact our attorneys to handle all communication with insurers.
We take over the legal process, investigate the crash, and work to ensure your own insurer treats you fairly under your coverage.
Common Challenges in Uninsured Motorist Claims
Insurance companies often make UM and UIM claims more difficult than they should be. They may question the severity of your injuries, delay payments, or offer a low settlement that doesn’t cover your true losses. Some even claim that the policy doesn’t apply because of technicalities in the wording or reporting deadlines. Our attorneys understand these tactics and push back aggressively. We know how to interpret policy language, identify coverage loopholes, and compel insurers to honor their contracts.
Compensation Available Through Uninsured Motorist Coverage
Even if the other driver lacks insurance, your own policy may provide important financial protection. Compensation through UM or UIM coverage can include:
- Medical bills and hospital expenses
- Lost wages and reduced earning potential
- Pain, suffering, and emotional distress
- Property damage and vehicle repair costs
- Permanent disability or disfigurement
- Wrongful death compensation for family members
We make sure every covered category is included in your claim and pursue the maximum benefits available under your policy.
Proving Fault in an Uninsured Driver Case
To recover under your uninsured motorist policy, we must first prove that the other driver was at fault for the accident. Our team collects police reports, traffic camera footage, accident reconstruction data, and witness statements to establish liability. Even if the driver fled the scene, we can often pursue a claim under your UM policy by showing that a hit-and-run caused your injuries. We handle every aspect of the process, from proving fault to negotiating with your insurer for fair payment.
Why Choose Fox, Farley, Willis & Burnette
Choosing the right Tennessee injury lawyers can make a major difference in the success of your uninsured motorist claim. Our firm has decades of experience handling car accident and insurance cases across the state. Clients turn to us because we offer deep knowledge of Tennessee insurance law, personalized and attentive representation, transparent communication, proven results in negotiation and trial, and compassionate advocacy focused on your recovery. We understand how stressful these cases can be—and we’re here to help you every step of the way.
Time Limits for Filing a Claim
Tennessee has strict deadlines for filing personal injury and insurance claims. In most cases, you have one year from the date of the accident to file a personal injury lawsuit and potentially less time to notify your insurer of an uninsured motorist claim. Missing these deadlines can forfeit your right to compensation. We act quickly to file all necessary documentation and preserve your claim before critical evidence is lost.
Dealing with Your Own Insurance Company
Although uninsured motorist coverage is part of your policy, your insurance company becomes the opposing party in these cases. They may attempt to minimize your payout just as a third-party insurer would. Our firm handles all communication with the insurance company, ensuring that you’re treated fairly and that your claim is properly valued. If the insurer refuses to cooperate, we’re ready to take your case to court to enforce your rights.
Tennessee Uninsured Motorist FAQs
What is uninsured motorist coverage?
It’s part of your auto insurance that protects you if you’re hit by a driver with no insurance or too little coverage.
Is uninsured motorist coverage required in Tennessee?
Insurance companies must offer it, but drivers can reject it in writing. We recommend keeping it for protection.
What if the other driver fled the scene?
You may still file a claim under your uninsured motorist coverage for a hit-and-run accident.
What damages can I recover?
You may be entitled to compensation for medical expenses, lost wages, property damage, and emotional suffering.
How long do I have to file a claim?
You generally have one year from the accident to file, but your insurance policy may have shorter reporting deadlines.
What if my insurer denies my claim?
We can challenge the denial, present evidence, and, if necessary, file a lawsuit to enforce your rights.
Do you charge upfront fees?
No. We work on a contingency fee basis, meaning you pay nothing unless we recover compensation for you.
Serving Clients Across Tennessee
- Clinton
- Gatlinburg
- Knoxville
- LaFollette
- Maryville
- Pigeon Forge
- Sevierville
- Nashville
- Chattanooga
- Oak Ridge
- Memphis
- Kingsport
- Johnson City
Contact Our Tennessee Uninsured Motorist Accident Lawyers
If you were hit by an uninsured or underinsured driver, you don’t have to face the insurance company alone. At Fox, Farley, Willis & Burnette, we fight for injured motorists across Tennessee to secure the compensation they deserve. Contact us today for a free consultation with an experienced Tennessee uninsured motorist lawyer who will protect your rights and guide you through every step of your claim.