Uninsured/Underinsured Car Accidents in Chattanooga

You get out of your car after an accident, expecting to receive insurance information from the liable driver. You can see who caused the accident, and you feel confident that insurance will help take care of any issues you might face. Then the news comes out. The driver does not have insurance.

Many motorists in the state drive without insurance. Even more may carry just minimum liability insurance, which only provides around $15,000 in coverage for property damage to a vehicle in an accident. If you find yourself in an uninsured or underinsured car accident in Chattanooga, a car wreck attorney could help you take the appropriate next steps to get the compensation you deserve.

Reporting the Accident

After an accident with an uninsured or underinsured driver, the uninsured driver may try to convince the injured party not to file a police report, which could cause the individual to face massive fines and the loss of their license. However, if the injured individual does not file a police report, they may also have a much harder time getting the compensation they deserve from the accident—especially from a driver with no insurance.

Individuals should always report a crash that results in property damage or injury. If the injured party can initially collect evidence, including the other vehicle’s license plates or even a photo of the vehicle, it could help their legal counsel prove their claim should they choose to file for compensation.

Contact Legal Counsel as Soon as Possible

If an injured party suffers serious injuries or property damage in a collision, they may have several options for pursuing compensation. First, they may have the option to file a lawsuit against the liable driver directly. However, many drivers who do not carry insurance may not have adequate funds to pay the compensation injured parties deserve for those injuries, which a local lawyer may consider when putting together a claim.

Using the Injured Party’s Insurance Company

Chattanooga drivers may also have the option to use their own insurance to cover some of the financial damages associated with an accident with an uninsured or underinsured driver. Most insurance policies include coverage for accidents with uninsured individuals. However, before contacting the insurance company, injured parties may find it more practical to consult with an attorney in the area about the coverage they have and what they should expect.

Do Not Accept a Settlement Without Legal Counsel

Even the injured party’s insurance company may not automatically offer the full coverage an individual deserves in compensation for serious injuries or property damage related to a vehicle accident. Insurance companies may try to convince injured parties to accept a low settlement offer or neglect telling the party about the types of coverage they may have under your policy after an accident with an uninsured or underinsured driver. Knowing that the injured party has an attorney can also encourage the insurance company to offer a more reasonable settlement.

An Attorney Can Help With Uninsured/Underinsured Car Accidents in Chattanooga

Do not wait if you suffered injuries in an accident with an uninsured or underinsured driver in Chattanooga. Contact our experienced attorneys as soon as possible to learn more about your right to compensation, how to deal with insurance, and what options you might have. Our hardworking team is standing by to assist you.

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