Nashville Uninsured & Underinsured Motorist Attorney
When you are struck and injured in an automobile collision, at least you know you can recover compensation for your injuries from the other driver’s insurance company. But what happens when the other driver is uninsured? Worse yet, what if the other driver never stops, and you have no way of identifying the car that hit you? It is still possible to recover compensation in these instances if you were carrying Uninsured Motorist coverage on your automobile insurance policy. Unfortunately, making a claim against your own insurance company is not any easier than making a claim against another driver. It is still essential to be represented by an attorney in this process to see to it that your rights are protected. In Nashville and surrounding areas, the attorneys at Calhoun Law, PLC work to ensure that you receive the appropriate amount of compensation for your legal damages when hit by an uninsured or underinsured motorist, or in a hit and run collision. Contact our Nashville uninsured or underinsured motorist attorneys today.
Tennessee Financial Responsibility Laws for Auto Accidents
All drivers in the state of Tennessee are required to carry liability insurance or proof of financial responsibility to cover at least $25,000 in damages if they cause personal injury or death in a car crash, or $50,000 in the event more than one person is injured or killed. Drivers must also carry at least $15,000 for property damage caused in the accident. In addition, Uninsured Motorist (UM) coverage must also be provided in the same amounts as the bodily injury limits selected, unless the policyholder specifically rejects UM coverage in writing.
Just because Liability Insurance is required by law doesn’t mean everybody has it, though. In fact, according to the Insurance Research Council, Tennessee ranks sixth in the nation for having the highest percentage of uninsured motorists. According to these statistics, 21% of Tennessee drivers are uninsured. That means more than one in every five drivers on the road at any given time are likely driving without insurance. Contact our Nashville underinsured motorist attorneys for more information.
Help is Available for Nashville Hit and Run or Uninsured Driver Collisions
Given the large number of uninsured drivers in Tennessee, we strongly recommend that you carry UM coverage in the same amounts as your liability coverage, and that you purchase more than the minimum amount of liability if you can afford it. Then you will at least have an opportunity to recover if you are injured by an uninsured motorist or a hit and run driver. There are specific rules for recovering in a hit and run that can make recovery challenging, so it is important to contact a Nashville uninsured accident attorney as soon as possible to make sure you follow the rules and protect your right to recover under your UM coverage. In Nashville, contact Calhoun Law, PLC to discuss your case with experienced Tennessee uninsured and hit & run accident injury attorneys and find out how we can help you.