Every time we get into a vehicle, there is a chance that you can be involved in a car accident. With a car accident usually comes injuries, as well as damages. Those damages can be to both vehicles involved, and well as personal or private property.
The individual who is responsible for the accident usually pays the damages. Laws have been put into place that requires every driver on the road to have car insurance to cover those damages. The problem with this, is that it is nearly impossible to enforce. That means there are thousands of drivers out there who are on the road, driving without car insurance. In Tennessee alone, a study shows that the average percentage of uninsured motorists on the road is an astonishing 20%.
Minimum Required Tennessee Car Insurance Coverage
Tennessee drivers must carry the following required minimum car insurance coverages and limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident*
- Uninsured motorist property damage: $15,000 per accident
Those individuals, if involved in an accident are financially responsible for the damages to their own vehicles, and the vehicles and property they damage in the accident. The problem is that drivers who are driving without car insurance are usually doing so because they cannot afford it. This means that when they get into an accident with another motorist, they cannot pay for the damages they've caused.
How to handle a car accident with an uninsured driver
It doesn't matter is a motorist is insured or not. If the other driver is at fault, they are financially responsible for paying for your losses. This includes damages and repairs to your vehicle, your medical bills, and if you've incurred any permanent damages. This can also mean public or private property that was damaged in the course of the accident.
If an individual has no car insurance, you may have to take them to court to force them to pay for your losses. This is why it is important to work with an experienced car accident attorney. A veteran attorney will fight for you. However, this is contingent on whether or not that person has any assets that can be acquired in order to compensate you. This can be their home, car, wages, or anything deemed as an asset that have substantial value.
An alternate to this scenario is if you have uninsured motorist coverage built into your car insurance. This will cover any damages incurred to you by an uninsured driver. This coverage is there to protect you, making sure to cover expenses and damages you may encounter in a car accident with someone who does not have car insurance or assets.
Even though you have this coverage built into your insurance policy, it is still a good idea to work with a reputable car accident lawyer who will make sure you receive the compensation you deserve.
Talk to a car accident Attorney
If you or a loved one suffered from a car accident, the team from the Law Offices of Betz and Baril is here to help. We offer free case reviews and can help you understand your legal options. We handle all personal cases on a contingency fee basis, so you won't owe us anything unless we recover compensation for you.
Call us today at (865) 888-8888 for your free consultation with a knowledgeable member of our team.