Nashville Uninsured Motorist Lawyer

Experiencing a car accident can be a terrifying and traumatic event, especially if you or your loved one suffered serious painful injuries. A car accident can become even more distressing if you discover that the driver responsible for the crash had no insurance. In a fault-based insurance state like Tennessee, how does an injury victim recover compensation for their damages like property damage, medical expenses, and pain and suffering if the driver at fault for the accident had no insurance? If you’ve been injured in a car accident, contact a Nashville car accident lawyer for a free consultation.

It’s always beneficial to hire a Nashville injury attorney after a car accident, but when you’ve had an accident with an uninsured motorist in Nashville, it’s essential to have experienced legal counsel throughout the process of your uninsured motorist claim. If you’ve been in an accident with an uninsured motorist, call the attorneys of Selvidge Injury Law today to learn more about your options.

Why Choose Us as Your Uninsured Motorist Accident Law Firm?

If you’ve had an accident and the driver at fault is an uninsured motorist, you need skilled representation throughout the process of seeking compensation. At Selvidge Injury Law, we have deep compassion and understanding for our injured clients. We offer advantages for your claim by providing the following:

• A free consultation and no fees until we recover your compensation
• The strong reputation and local resources of a large-city law firm with the friendliness and family-focused attention of a small-town attorney’s office
• A decade of experience navigating car accident claims including those against uninsured motorists in Nashville
• An attorney who believes in maintaining open and honest communication and a resolution-based approach throughout the process

Attorney Adam Selvidge has earned deep respect among his peers in Tennessee personal injury law and was named a “Rising Star” lawyer by Super Lawyers between 2021 and 2023.

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What Is an Uninsured/Underinsured Motorist?

In a car accident, an insured motorist’s policy covers the financial losses incurred by the victim due to the at-fault party’s actions. Some people do not have insurance or they do not have a large enough policy limit to cover your losses. This is when uninsured or underinsured insurance applies.

An underinsured motorist has coverage, but it may be just the bare minimum to keep them legally on the roadway. Since insurance only covers losses up to the coverage limit, this can leave the victim at risk of financial loss.

An uninsured motorist is one who does not have insurance. They may have an expired policy or never at a policy at all. It is, therefore, not possible to file a claim against that coverage.

In both of these situations, it is your right, as a victim, to pursue legal action against the at-fault party through a civil lawsuit to recover damages. However, this can be challenging if the driver does not have adequate financial ability or assets. As a result, you may be able to turn to your uninsured/underinsured motorist coverage, a policy you purchased yourself.

What to Do After an Accident With an Uninsured Motorist

It’s always important to know what to do after an accident, particularly one with an uninsured driver. After the accident:

• Call 911 to report the accident
• Take photos of the damaged vehicles and accident scene
• Get contact information of the other driver
• Ask for a copy of the police report
• Go directly to the hospital from the accident scene
• Call an attorney in Nashville who handles uninsured motorist claims

Your Nashville uninsured motorist attorney from Selvidge Injury Law will diligently handle the uninsured motorist claim process while you focus on your recovery.

Do I File a Claim or a Lawsuit After an Uninsured Motorist Accident in Nashville?

Tennessee requires all drivers to carry the minimum of liability insurance which includes $15,000 in property damage coverage, $25,000 in injury coverage per person, or $50,000 maximum per accident. In addition, insurance companies in Tennessee add uninsured motorist coverage for the same amounts.

Unless you opt out of this additional coverage in writing, it remains on your policy and available to you after an accident. Unfortunately, insurance companies commonly protect their profits by disputing this coverage after a car or motorcycle accident. An experienced Nashville uninsured motorist lawyer behind your claim minimizes the risk of an undue denial of a valid claim.

Another option for recovering compensation is to file a lawsuit against the at-fault driver. However, since drivers who fail to carry insurance rarely have resources, this option typically isn’t the best way forward. Your Nashville uninsured motorist lawyers from Selvidge Injury Law can advise you on this option in your unique car or truck accident case. If you were involved in a pedestrian accident with an uninsured motorist, contact our pedestrian accident lawyers in Nashville today.

What Compensation Can I Recover In an Uninsured Driving Accident?

The types of losses owed to you in an uninsured driving accident are the same as any other claims you have. The difference is you may not have a straightforward way of recovering those damages through an insurance claim through the at-fault party.

You may still be eligible to file a claim to cover any demonstrated losses you have with your own insurance or seek compensation through a lawsuit with the at-fault party. That might include compensation for:

• Medical bills
• Lost wages
• Loss of earning capacity
• Loss of consortium
• Property damage
• Loss of quality of life
• Pain and suffering
• Emotional damage

Your car accident attorney in Nashville will guide you in determining the best route to take to recover all of your losses to the fullest allowable level under the law. You can only recover damages up to the value of the policy, but there may be other routes to take to increase the value of your claim. Your attorney will help you navigate those steps.

How Your Attorney Will Handle a Nashville Uninsured or Underinsured Motorist Claim?

If you are in an accident with a motorist who does not have enough insurance or any insurance at all, you will have to file a claim against your uninsured motorist/underinsured motorist policy in order to recover compensation for your damages and losses. To do so, your attorney will consider the following:

• Determine your losses through a comprehensive investigation of how this incident impacted your health, financials, and mental wellbeing.
• Submit a claim against your policy by issuing a demand for compensation. Your Nashville uninsured motorist lawyer will handle this process for you and go over it with you before submitting it to your insurance carrier.
• Provide all documentation and proof of your losses. This often requires some negotiations with the insurance company to determine what a fair settlement is.

If a fair settlement cannot be reached with the insurance company, ultimately your attorney will have to file a lawsuit against the at-fault party, even though your uninsured/underinsured insurance carrier will be the one paying out the claim. However, it is critical to do this with the guidance of a Nashville uninsured motorist lawyer by your side. Not doing so could lead to further financial loss for you and frustration along the way.

Call the Nashville Uninsured Motorist Lawyers From Selvidge Injury Law Today

If you or a family member suffered injuries and property damage in a Nashville car accident with an uninsured motorist, you need legal representation to ensure that you aren’t left accountable for the costs of the accident and medical care. Call our Nashville injury lawyers today for a free evaluation of your case.