Mount Juliet Uninsured Motorist Lawyer
Being involved in a car accident is challenging enough, but discovering that the at-fault driver is uninsured can make the situation seem even more complicated and stressful. In Tennessee, even though car insurance is required by law, uninsured drivers still account for over 20% of motorists on the road, ranking the Volunteer State near the top of the list of states with the most uninsured drivers in the country. If you’ve been injured in an accident caused by an uninsured driver in Mount Juliet, The Law Offices of Christopher Eads can help. With extensive experience navigating these complex claims, our Mount Juliet uninsured motorist lawyer is here to ensure you receive the compensation you deserve. Call us today at (615) 622-6060 for a consultation.
Why Choose The Law Offices of Christopher Eads?
- Over 75 claims resolved in the firm’s first year alone and a 100% success rate in getting compensation for our clients.
- Christopher Eads’ background as a former insurance defense attorney gives us an edge in dealing with insurers.
- We prioritize clear communication and personal attention to every case.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is part of your auto insurance policy designed to protect you if you’re injured by a driver who doesn’t have insurance. In Tennessee, insurers are required to offer UM coverage, but drivers can opt-out in writing. This coverage can provide critical compensation for medical expenses, lost wages, and other damages after a crash, and we encourage all drivers to carry it for their protection.
UM claims also extend to situations where the driver is unidentified, such as hit-and-run accidents. Many policyholders are unaware of the full benefits their UM coverage can provide, which is why it’s essential to consult an experienced attorney who can interpret your policy and advocate for your rights.
Proving Fault in an Uninsured Motorist Case
Establishing fault is critical in uninsured motorist claims, and the process mirrors traditional car accident claims. Your attorney will work to demonstrate that the other driver was responsible for the crash and that their lack of insurance necessitates a UM claim. Key steps include gathering evidence from the accident scene, such as photos, witness statements, and police reports, documenting your injuries and medical treatment to establish the extent of your damages, and reviewing your insurance policy to confirm available UM benefits.
Because UM claims involve negotiating directly with your insurance provider, it’s important to have skilled legal representation. Insurance companies may attempt to undervalue or deny your claim, even when you’re entitled to coverage.
In Tennessee, comparative negligence rules apply to all personal injury claims, including uninsured motorist cases. This means that if you are partially at fault for the accident, your compensation may be reduced by your percentage of fault. For example, if you’re found 20% responsible for the crash, your total recovery will be reduced by 20%. Your insurance company can try to allocate a portion of the blame to you to reduce their liability.
An experienced attorney can help mitigate any allegations of fault and ensure you receive the maximum compensation available under the law.
Types of Damages in Uninsured Motorist Claims
Victims of uninsured motorist accidents may seek compensation for both economic and non-economic damages. This can include medical bills for immediate and ongoing treatment, lost wages due to missed work or reduced earning capacity, pain and suffering, reflecting the physical and emotional toll of the accident, and vehicle repair or replacement costs, depending on the circumstances.
With The Law Offices of Christopher Eads handling your claim, you can trust that all potential damages will be thoroughly evaluated and pursued.
Contact a Mount Juliet Uninsured Motorist Lawyer Today
An accident with an uninsured motorist can leave you feeling uncertain about your options, but you don’t have to navigate the process alone. The Law Offices of Christopher Eads is here to guide you through every step, from filing a UM claim to securing the compensation you need to move forward. Call us today at (615) 622-6060 to schedule a consultation and start building your case.