What To Do if You’re Hit by an Uninsured Driver in Tennessee
Being involved in a car accident is stressful enough without any added complications. When you get into an accident and realize the responsible driver does not have insurance, it can add to your stress. Unfortunately, Tennessee has a high rate of uninsured drivers. According to statistics, more than 20% of motorists in Tennessee do not have insurance. This means that your chances of being involved in a car accident with an uninsured driver in Tennessee are high. If you ever find yourself in this situation, it is crucial that you understand the necessary steps to take.
Here are the steps to take if an uninsured driver hits you in Tennessee;
- Ensure Safety
The first and most vital step to take after any car accident, including one with an uninsured driver, is to ensure safety. Check yourself and others for injuries. If there are no injuries, the vehicle is drivable, and it is safe to do so, move your vehicle to a safe location, such as the shoulder of the road, to avoid obstructing traffic. However, do not move your car if there are injuries, your car is not drivable, or if there are any signs of dangerous materials, such as spilled fuel.
- Remain at the Scene and Call the Police
Stay at the accident scene and call 911. Tennessee law requires drivers to report an accident to the police immediately if it causes injury, death, or property damage exceeding $50. The majority of car accidents that happen in the state meet this threshold. The responding officers will document the accident in an official report and note that the other driver is uninsured. This report can serve as critical evidence in any insurance or legal claim you file later.
- Collect Evidence
After calling the police, gather as much evidence as you can at the accident scene while you wait for them to arrive.
- Take photographs of the cars, any damage, and the accident scene
- Get the names and contact information of anyone who witnessed your accident
- Note details about the other driver, such as name and contact information
- Note details about the other car, such as license plate number
Evidence can help strengthen any insurance or legal claim you file.
- Seek Medical Attention
Seek medical attention immediately or as soon as possible after the accident, even if you feel “okay” or believe your injuries are minor. This is not only vital for your health. Medical records are also crucial for any insurance or legal case you file. They can help prove the cause and severity of your injuries.
- Contact Your Insurance Company
Contact your insurance company and notify them of your accident. Tennessee law requires insurers to offer uninsured motorist (UM) coverage unless a policyholder opts out in writing. Fortunately, you have this coverage. If you do, your insurance company can help cover medical expenses, lost wages, property damage, pain and suffering, and other damages. Provide your insurer with any evidence you gathered that can support your claim.
- Consider Legal Counsel
Even your own insurance company might undervalue or try to deny your claim. A skilled car accident attorney can help you fight for fair compensation. If you don’t have UM coverage, an attorney can help you explore other options for pursuing compensation.
Contact a Knoxville Car Accident Attorney
If you’ve been hit by an uninsured driver, contact our skilled Knoxville auto accident attorneys at Reynolds, Atkins, Brezina, & Stewart, PLLC for legal guidance.
Source:
iii.org/fact-statistic/facts-statistics-uninsured-motorists
