I was in a car accident but the other driver does not have enough insurance. Now what?

April 27, 2012, by The Law Office of Larry R. Williams, PLLC

Automobile accidents happen every day all across middle Tennessee. Unfortunately, many drivers involved in Tennessee car wrecks carry minimal or no liability insurance. These situations require an experienced car accident attorney. Tennessee insurance law requires a driver to only have at least $25,000 for injury and $15,000 for property damage. So, what does that mean for someone who is severely injured in a Nashville car accident by careless driver without enough insurance?

Many insurance policies include uninsured and underinsured insurance coverage. Tennessee's uninsured motorist law provides protection to drivers and/or passengers injured in an auto accident where the at-fault driver carries minimal or no insurance. In such an accident, the injured party's insurance carrier should pay for damages such as pain and suffering, health care expenses and medical bills, loss of enjoyment of life and loss of wages that the injured party could recover from the at-fault driver.

An insurance company cannot increase your insurance rates or cancel your coverage due solely to the payment of any claim under uninsured motorist coverage. With the cost of medical care, a weekend stay in the hospital can cost more than $25,000.00. Add to that lost wages, rehabilitation and physical therapy, the bills can easily exceed the coverage. That is why uninsured/underinsured policies are so important.

If you are involved in an automobile wreck in Middle Tennessee, it is important for you to consult an attorney as soon as possible. Nashville personal injury attorney Jonathan Williams has experience representing individuals that are injured by drivers that carry little or no car insurance. Contact Jonathan Williams today at (615) 256-8880 or visit www.lrwlawfirm.com if you have been seriously injured in a motor vehicle collision.