Clinton Uninsured Motorist Lawyer
Obtaining Compensation in Uninsured Motorist Accidents
Unfortunately, not all Clinton drivers take to the roads properly insured. Tennessee actually ranks sixth in the nation for highest number of uninsured drivers, with 20.1 percent of drivers not obtaining insurance, according to the Insurance Information Institute. And, the chance of an uninsured driver causing a wreck is high, as one of the most common reasons that a driver is uninsured is because they can no longer afford the premiums due to their poor driving record. So how do you obtain compensation from an uninsured Tennessee driver if they have no insurance to pay for their errors? If you were injured in a traffic collision that involved an uninsured driver, you need to contact a Clinton uninsured motorist lawyer with the law offices of Fox & Farley today.
Auto Insurance Requirements in Tennessee
The basic requirements to legally drive in Tennessee are quite bare when it comes to liability coverage. Liability insurance covers the other party’s injuries and property damage when you cause the crash. The minimums are as such, according to the Tennessee Department of Motor Vehicles (DMV), and are applied per accident:
- $25,000 for each injury or death;
- $50,000 for total injuries or deaths; and
- $15,000 for property damage.
Of course, $25,000 is not nearly enough to cover the injuries sustained in a wreck that involves multiple bones, a traumatic brain injury, and permanent scarring to the face. The pain and suffering damages for a truly severe injury can easily amount to hundreds of thousands of dollars. This shows that even a legally insured Clinton driver may be underinsured.
While the likelihood of getting hit by an uninsured motorist is high, the chances of being severely injured by an underinsured motorist are even greater, as the policy minimums in Tennessee are quite low. When you are injured by a driver whose policy cannot cover your damages, they are deemed an “underinsured” driver.
Collecting Compensation From Your Own Insurance Company Through Tennessee’s Uninsured Motorist Coverage Requirements
All car insurance companies must sell policies that also include uninsured motorist coverage. This uninsured coverage is applied to your damages when an uninsured driver causes the crash and your resulting injuries. And, the policy must match what you purchased for bodily injury and property damage. If your insurance policy is the bare minimum, you will still have the 25/50/15 limits available to cover yourself. If your policy limit was much greater, there will be more available for you. However, your own insurance company may become your adversary, as insurance companies always look out for themselves first and their customers second. To ensure that you are compensated fairly in any traffic collision scenario, regardless of the insurance available or offers made to you, it is vital to work with an attorney.
Call Us Today for Immediate Traffic Collision Compensation Assistance in Clinton
Contact the Clinton uninsured driver attorneys with Fox & Farley today if you were injured by a careless or reckless driver who does not have insurance. We will help you receive financial compensation from the negligent party or other sources even if they are uninsured.