Sevierville Uninsured Motorist Lawyer
Traffic crashes take a financial toll on a person, even when the damage is minor. If a car requires extensive repairs or there is a trip to the emergency room, the bills can be crippling. Insurance companies are supposed to provide compensation for such expenses, but what if the liable party in your crash does not have enough insurance? Our Sevierville uninsured motorist lawyers at Fox & Farley can help you navigate this predicament. We have over 30 years of experience helping drivers recover the compensation they deserve after a collision with an uninsured motorist.
What to do After a Crash
Immediately after you have been in a car crash, you will want to contact the police and, if necessary, emergency personnel. They will record the scene and take witness statements that can be used later to file a claim. If you are unsure whether or not you have been injured, make sure to be examined by a medical professional. This will act as a record of your injuries, which can also be used when making a claim to an insurance company. If possible, you should also document with damage with photos. Finally, ask the other driver for their insurance. Once you have gone through these initial steps, you will want to reach out to a qualified Sevierville car accident attorney.
Tennessee’s Requirements for Auto Insurance
Tennessee Code 55-12-102 establishes the minimum limits of liability for auto insurance in the state. A driver is required to carry either a single-limit policy of $60,000 or a split-limit policy of at least:
- $25,000 for one person’s injuries or death;
- $50,000 for multiple people’s injuries or death; and
- $15,000 for property damage.
These policies are designed to cover injuries the at-fault driver caused. The Insurance Information Institute describes other types of auto insurance available, such as personal injury protection, which covers injuries the at-fault driver or the passengers in that vehicle sustain.
Uninsured Motorist Coverage
Many car insurance policies come with a clause that says they will help pay medical costs or car repair costs if the insured has a crash with an uninsured motorist. An uninsured motorist is defined as:
- Someone whose liability limits on their insurance are not enough to cover the costs of the crash; or
- Someone whose liability limits are less than or equal to the injured party’s uninsured motorist coverage.
Uninsured motorist coverage also covers a policyholder if they have been in a hit-and-run crash. Insurance companies will do everything they can to avoid paying compensation. Having a capable lawyer who is comfortable negotiating with insurance companies will ensure your claim is approved so that you get proper compensation for your injuries.
What Does Compensation Cover?
At Fox & Farley, we understand that being in a car crash is traumatic. While you recover, we will help you with the legal aspect of securing compensation. Compensation will help cover:
- Medical bills;
- Lost wages due to injuries;
- Permanent disability;
- Property damage; and
- Pain and suffering.
The Sevierville Uninsured Motorist Lawyers at Fox & Farley Can Help
Contact an uninsured motorist lawyer at Fox & Farley to learn how we can help you with insurance claims. You deserve to be compensated for the damages the traffic crash has caused. Schedule a free initial consultation at 865-225-6784 today.