Nashville Uninsured Motorist Lawyer
While it is unfortunate to be involved in any type of motor vehicle accident, your situation is even worse if you are injured in a crash caused by an uninsured or underinsured motorist. Your odds of facing these circumstances are relatively high as a resident of Tennessee, which ranked fifth in the US for the number of uninsured drivers in 2015 according to statistics compiled by the Insurance Information Institute. You do have rights as a victim, so it is important to schedule a free consultation with one of our experienced Nashville uninsured motorist lawyers at Fox & Farley to discuss them.
Your Legal Options in an Uninsured Motorist Claim
You suffer devastating losses as a victim of a car accident, and your situation may seem hopeless if the responsible driver does not have any auto insurance. It may be equally frustrating to find that the negligent motorist does not have coverage in an amount sufficient to cover your damages. However, you do have options under Tennessee law.
- You can file a claim with your own insurance company. If you have uninsured motorist (UM) coverage, you can seek compensation from your own insurance provider. Because these claims can be complicated, it is wise to retain an attorney to help you navigate the process and negotiate an appropriate settlement with your insurance company.
- You may file a lawsuit against the uninsured driver. While not the best option under the circumstances, you could sue the responsible motorist for your losses. This approach makes sense when the other driver has assets that you can access, even if he or she did not have insurance.
Take Action After a Crash
The US has the dubious honor of being high on the list of fatal and injury-causing motor vehicle crashes globally. Despite the frequency of car accidents, some drivers and passengers are unsure what to do when they become a statistic. If you are hurt in an auto collision, there are certain steps you need to follow:
- First and foremost, and if possible, pull your vehicle over to a safe spot.
- Assess your own safety and check on all occupants of your vehicle.
- Seek emergency medical attention as necessary by calling 911.
- Offer assistance to the driver and passengers in other vehicles.
- Obtain contact information and insurance details of other parties.
- If you are able, take photos of the crash scene.
- Talk to witnesses and get their contact information.
- If the accident is serious and officers arrive on the scene, give your statement and provide information for the police report.
- Follow up as necessary if you need medical attention after the crash, keeping in mind that it is best to do so within 72 hours.
- Contact your insurance company.
Schedule a Free Consultation with a Nashville Uninsured Motorist Lawyer
You do have rights as the victim of a car accident, even if the at-fault driver does not have insurance or carries coverage that is insufficient to compensate you for your losses. Because of the added complexities, you should work with an experienced uninsured motorist lawyer. Please contact Fox & Farley at (866) 862-4855 to schedule a free consultation about your claim.