Uninsured and Underinsured Motorists

In spite of the extreme inconvenience of an auto accident, most drivers experience some degree of comfort knowing that they can obtain a settlement from the insurance policy of the motorist who caused the accident. But when the other driver fails to produce an insurance card at the accident scene — and you do not carry uninsured motorist coverage under your policy — you immediately fear that you may face out-of-pocket costs for an accident you did not cause.

According to the Insurance Research Council, in 2009, about 13.8 percent of U.S. motorists carried no insurance coverage, and Tennessee uninsured motorists rates were higher, estimated between 16 and 30 percent. I am Kevin W. Shepherd, Attorney At Law, and as an experienced attorney in Maryville, I can help accident victims pursue compensation from their own insurers when they cannot rely on the liable party’s insurance to cover the expenses of their injuries and property damage.

Understanding the Tennessee financial responsibility laws

Under Tennessee law, all people involved in a motor vehicle accident must be able to provide proof that they have the ability to pay damages, regardless of liability for an accident. In most cases, they can show evidence of insurance coverage, but they can also prove qualification as a self-insurer or that they filed a cash deposit or bond with the Commissioner of the Department of Safety.

However, since a high percentage of drivers flout the law, purchasing underinsured and uninsured motorist coverage can help protect you without the need for lawyers if you become involved in an accident in Oak Ridge or anywhere within the state.

When to call experienced uninsured and underinsured motorist lawyers in Maryville

When an uninsured or underinsured driver is liable for your accident, your only recourse may be to seek compensation from your own insurance company. A claim typically provides fair compensation when you carry coverage for uninsured or underinsured motorists, but your insurer may delay, reduce or deny your claim if you do not carry this coverage.

As a Maryville accident lawyer, I have extensive experience intervening between my clients and their insurance carriers. I understand how insurance companies operate, and I know how to help convince your carrier to pay your expenses.

Contact an experienced Maryville underinsured and uninsured motorist claim attorney for a free consultation

You should not have to pay out-of-pocket when you suffer injury and property damage in a collision caused by another driver. Nevertheless, if an uninsured motorist caused your accident, you may not receive the help you need from your own insurer. Experienced Maryville uninsured and underinsured motorist attorneys can help level the playing field between you and a powerful insurance company. For more information, or to schedule a consultation with Shepherd and Associates, P.C. call now at 865-225-9655 or fill out the contact form on this website.