Everyone knows the consequences of a car accident can be expensive. The costs of personal injuries, potential lawsuits, and vehicle damage can add up fast. Many people also know that compensation can cover most of these expenses if the other driver was at fault for the accident. However, a lot of drivers do not know how to handle situations in which the other driver is uninsured. If this is you, it is a good idea to contact a Tennessee car accident lawyer who knows the steps to take in these types of situations.
Check for Uninsured Motorist Insurance
Many auto insurance plans in Tennessee come with uninsured motorist coverage. This type of coverage covers you in the event that you find yourself in an accident with an uninsured driver. Damages like personal injuries are almost always covered, but sometimes there are other expenses that your insurance company may not cover. These often involve psychological damages and vehicle repair costs.
Depending on how many other people were involved in the accident, your insurance company may offer coverage in a split limit. This means you could be given $15,000 per person for bodily injuries or $30,000 per accident for total bodily injury. If your insurance company fails to offer an adequate amount of compensation, you should consider talking to a lawyer.
If you do not have uninsured motorist coverage with your insurance company, then you should also consult with your local lawyer. A lawyer will know what steps need to be taken to ensure you are still covered, regardless of whether the driver at fault has insurance. This usually involves filing an uninsured motorist claim against your insurance company.
Talk to a Car Accident Lawyer
Filing a claim against your insurance company is not always as smooth as it sounds. Some people are able to receive some compensation by doing so without a lawyer, but most people do not receive enough compensation. This is because insurance companies try to conserve as much money as possible when it comes to any kind of car accident claim. They know that the more compensation they offer, the more money they lose as a business.
Examples of an insurance company acting in bad faith are delaying your claim, refusing to offer any compensation without adequate reasons, and paying significantly less than you are entitled to. Be cautious about filing a lawsuit against your insurance company without lawyer help because insurance companies tend to hire a whole team of lawyers that watch their back for them. You will also need evidence, like witness testimonies and legal documents that lawyers have great experience in obtaining.