Category Archives: Uninsured/Underinsured Motorist Accidents

Accidents can happen to even the most careful drivers. Even if you have comprehensive auto insurance, you obey all of the rules of the road and you never drink and drive, text and drive or get behind the wheel while you’re drowsy, you can still have the misfortune of being hit by an insured driver.

One of the main reasons that motorists take out uninsured (UM) or underinsured motorist (UIM) coverage when they purchase auto insurance is to make sure that they’ll be able to cover their accident-related costs no matter who crashes into them. Nearly two dozen states require motorists to take out UM or UIM coverage. Tennessee is

While virtually every state requires motorists to carry auto insurance, there are some drivers who take a chance and never purchase it. If that person crashes into your car and injures you, you may wonder what happens next. In every state, all new car owners are required to maintain full coverage insurance on their investment.

Although many jurisdictions require that motorists maintain auto insurance, many individuals don’t. Then there are also those cases in which motorists aren’t licensed or insured. In an effort to avoid prosecution, these motorists often leave the scene of crashes. If you’ve suffered injuries after having been struck by someone who left the scene of the

It’s bad enough when you are involved in a car accident in Knoxville. Matters only get worse when you are involved in an accident with an uninsured or underinsured motorist. These accidents are so stressful to be involved in because they leave the victim driver in a bad situation. Here are the benefits of having

All drivers should have auto insurance for the vehicles they drive. Sadly, far too many neglect this very important purchase. When they do, it’s their hapless victims who suffer the consequences — which can be quite expensive. Do you have recourse if you are hit by an uninsured driver? Learn what steps you can take

Getting into an accident is stressful. It can be even more stressful when the other person involved does not have car insurance or does not have enough insurance. This is known as an uninsured/underinsured driver. These drivers are the reason why so many insurance-carrying drivers also have this type of coverage written into their auto

The number of uninsured drivers in Tennessee isn’t the highest in the country, but it’s in the top five states and certainly above the national average. That average, in 2015, was just 13 percent. It’s remained relatively stagnant over the past few decades, though 1993 saw a high of 16 percent. The lowest rate in

Having auto insurance is a requirement to drive just about anywhere in the country. Even though you might have insurance, there’s no guarantee that other motorists around you will have it. This poses a problem when you’re involved in an accident. Here’s how you can protect yourself from an uninsured motorist. There are ways that

Car accidents are scary and stressful enough. Add in the fact that you might have to deal with an uninsured or underinsured motorist, and the stress levels can become unbearable. Victims of accidents involving uninsured motorists need to know what to do following such an accident so they can prepare for what lies ahead of

Did you know that different types of auto insurance can protect you in the event of a car crash? Without the right type of car insurance, you put yourself at financial risk when a car wreck occurs. Take the time to learn more about your insurance options – and provide yourself with additional legal protection

What does Tennessee have in common with other states when it comes to car insurance? For starters, our state shares a high rate of uninsured drivers, which can lead to major problems in the event of a car accident. Victims who are involved in a car wreck with an uninsured motorist can suffer major physical

Many Tennessee drivers worry about the financial impact of getting involved in a car crash. This is a legitimate concern, particularly for drivers who may get into a car wreck with an uninsured motorist. The good news: States around the nation are starting to offer auto insurance that protects against underinsured motorist accidents. The fact

Tennessee has launched a new system designed to bring more motorists into compliance with liability insurance laws. About one in five drivers in the state is considered an uninsured motorist, with an estimated 1.1 million vehicles on the road that are not insured at all. Authorities say that a new verification system could improve compliance

Drivers across the state of Tennessee have been facing increased penalties for driving without insurance in the last 18 months, with consequences for uninsured drivers escalating from a $300 fine to the possibility of losing their vehicle. The Volunteer state has suffered from one of the lowest rates of insured drivers in the country for

Just as you can’t count on all drivers acting safely, you can’t count on all drivers having insurance. Some may find it surprising just how common driving without insurance is here in the United States. According to Insurance Research Council estimates, as of 2012, around one out of every eight of the nation’s drivers lacked

Have you ever been involved in an accident with another driver who either had no insurance or was underinsured? There is little doubt that the situation brought you no joy and quite possibly led to an accident dispute when you made a claim after being severely injured. Residence in Tennessee may be spared such a

Since 1977, drivers in Tennessee have been legally required to have proof of liability insurance. According to the legislation, drivers had to be insured for specified minimum levels of liability, varying from $15,000 for property damage to $50,000 in the case of multiple deaths or injuries. Unfortunately, the fine a driver can face for driving

Tennessee surgeons at Vanderbilt University Medical Center are preparing themselves for what they call “trauma season.”  With the first signs of warmer weather, five motorcycle accident victims were treated for injuries on one Sunday in mid March. One did not survive. The season motorcycle season started early this year due to an early warm spell.

In the legal system in our country, a statute of limitations refers to the time limit in which legal action can be taken or claims filed. Any person in Tennessee involved in a car accident will have to file a claim within a specified time frame. The statute of limitations for filing a personal injury