AV - Preeminent Badge
Super Lawyers Badge
Tennessee Association for Justice Badge
Tennesee Bar Association Badge

Uninsured and Underinsured Motorist Accidents

Injured car accident victims in Tennessee have a difficult time recovering full compensation for their injuries without the help of an experienced car accident injury lawyer. Recovering damages for your injuries, however, can be even more frustrating if the driver responsible for the accident was uninsured or underinsured. In Tennessee, drivers are required to carry a minimum insurance policy of $25,000. Many drivers, though, do not follow the law and carry no insurance. And, even if a driver does have an insurance policy, a $25,000 policy limit is often not enough to compensate an injured car accident victim for the economic damages (medical bills and lost wages) and the non-economic damages (pain and suffering, permanent injury, disability, etc.) that they have suffered.

The Law Office of David S. Hagy, PLC is a Nashville, Tennessee law firm that represents injured victims of car accidents and their families. We have the experience, intelligence, and dedication necessary to help injured clients recover the highest compensation available for their injuries and losses. In accidents in which the responsible driver is uninsured or underinsured, compensation can often be had from the uninsured motorist (UM) coverage of the injured person’s own insurance policy or the policy of the owner or driver of the car in which an injured victim was a passenger. It is important in representing injured car accident victims that a dedicated injury lawyer identify each and every possible source of insurance coverage.

What Is Tennessee Uninsured / Uninsured Motorist (UM) Coverage?

Licensed Tennessee drivers are required by law to carry at least $25,000 in bodily injury liability coverage to compensate those who they might injure in a car accident. Many responsible drivers, however, will choose to have a far larger insurance limit. The advantage of selecting higher insurance coverage is that a Tennessee auto insurance policy, under most circumstances, will provide uninsured or underinsured motorist (UM) coverage in the same amount as the liability coverage. Also, you are not allowed to select UM coverage with higher limits than the liability coverage. UM coverage is the coverage you obtain from your insurance company to protect yourself if you are injured in an accident because of the negligence of another driver and that driver does not have sufficient insurance to fully compensate you for injuries. For instance, if an insurance policy has a $300,000 liability and UM coverage limit, and you are injured by another driver with only a $25,000 minimum policy, your own insurance company will compensate you up to a total of $300,000 for the damages you have suffered. (Put differently, your own UM coverage will pay the difference — in this example $275,000 — between your coverage limit and the insurance coverage of the responsible driver). You should talk with your insurance company or insurance agent and make sure you have selected the highest amount of UM coverage you can reasonably afford.

When to Contact a Tennessee Car Accident Injury Lawyer

If you or someone you know has been injured in a car accident, you should contact an experienced Tennessee car accident injury lawyer immediately. Tennessee law provides that any lawsuit to recover damages from a responsible driver or insurance policy, including a UM policy, must be brought within one year from the date of the accident. But, the early involvement of a lawyer can help identify witnesses, gather evidence, and lead to a more successful outcome.

Contact a Tennessee Uninsured / Underinsured Motorist Injury Lawyer

At the Law Office of David S. Hagy, PLC in Nashville, Tennessee, we have the experience and skills to successfully resolve difficult and serious car accident injury cases, including those involving uninsured or underinsured drivers. We have obtained millions of dollars in settlement for our seriously injured clients over the years. If you would like to discuss a car accident or motorcycle accident case involving an uninsured or underinsured driver directly with a lawyer, please contact us at our Nashville office online or call us at (615) 975-7882.

Nashville Trial Lawyer Blog - Car Accident

Tennessee Plaintiff Allowed to Pursue Auto Accident Case Despite Defendant’s Attacks on Service of Process Methods When you are pursuing a civil lawsuit for injuries you suffered in an auto accident, you may think about the factual issues in your case – physical...

Applying the Right Statute of Limitations to Your Lawsuit Against Your Uninsured Motorist Insurer in Tennessee Pursuing damages for the harm you suffer in a Tennessee auto accident can take many twists and turns. Sometimes, it may center solely on litigating...

Proving Different Types of Damages in Your Tennessee Auto Accident Case In auto accident cases, Tennessee law may allow you to recover damages for many different reasons. Damages can include medical expenses, past and...

Client Reviews

I got into a car accident a couple months ago, and David made the whole insurance process easy to understand. He took away the stress of the situation and I felt comfortable knowing I had someone like him working for my...

Jennie E.

After getting rear ended in auto accident and in back pain David handled my personal injury claim against the at fault driver's insurance company when the large, high profile law firms in town turned me down because they...

Lakin S.

After getting into my first accident, David was a huge help in getting my lawsuit figured out in a timely manner. He was able to explain to me the details of the case so I felt like I was in control of how I wanted to...

Dana P.

While visiting Nashville, my husband and I were in a pretty bad auto accident with our Uber & a tractor trailer on the highway. David was great to work with. He was quite thorough, explaining everything we would come up...

Wendy N.

We have now used David twice. He is very personable, down to earth, hard working and gets to the bottom of your situation quickly. If we are ever in a situation where hes needed, we will use him again. Highly recommend...

Megan l.

This guy, he is the one you want in your corner going against insurance companies. Super nice, and super efficient. I would recommend this guy hands down... and have!

Hastings J.

Get in Touch

Fill out the contact form or call us at (615) 975-7882 to schedule your free initial consultation.
  • Group.svg Free Initial Consultation
  • Group-39.svg 25+ Years of Experience
  • Group-1.svg Millions Recovered

Leave Us a Message