It’s a beautiful afternoon driving along Highway 111 or traveling Interstate 40, through the hills of the Upper Cumberland, when the
unexpected happens: another vehicle slams into yours.
Your car is mangled, your neck is throbbing, and adrenaline is surging. Then, the other driver steps out of the vehicle and admits, “I don’t have insurance.”
Despite Tennessee law strictly mandating that every motorist carry liability insurance, people still drive without insurance and/or adequate insurance. For families living in Sparta, Cookeville, Crossville, McMinnville, and surrounding cities in the Upper Cumberland, an encounter with an uninsured/underinsured motorist can turn a painful physical recovery into an overwhelming financial crisis.
If you find yourself injured in an accident caused by someone without insurance or without adequate insurance, you are not out of options.
You can always file a lawsuit against the at-fault driver. Without insurance or sufficient assets, however, this option is not advisable in that one could only receive a judgment against an individual who neither has the funds or assets to pay it. Nevertheless, an individual may have sufficient or substantial assets and simply did not obtain sufficient insurance coverage. One example would be a driver who has $100,000.00 in insurance coverage and owns his home and two rental properties. In this situation, you may file a lawsuit against the driver to recover the remaining damages to make you whole.
If the at-fault driver did not have any insurance coverage or did not have sufficient coverage to make you whole, you may have underinsured/uninsured motorist coverage under your own automobile policy. Accordingly, another option is to make a claim under your own underinsured/uninsured motorist coverage. This coverage essentially steps into the shoes of the at-fault driver’s non-existent and/or inadequate insurance up to your specific policy limits.
There can also be another person or entity who might be financially responsible for the collision. One example might be an employer, i.e. the at-fault driver was driving his car on behalf of his employer, etc.
Navigating an uninsured/underinsured motorist claim on your own, while recovering from injuries, is incredibly stressful. Caroline is here for you. Don’t carry the financial burden of someone else’s negligence alone. Caroline fights for accident victims across the Upper Cumberland. Contact Caroline today for a 100% free, no-obligation consultation. Caroline works on a contingency fee basis, meaning you pay absolutely nothing unless she wins your case. Call Caroline today: 931.246.4040.
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