What Happens if an Uninsured Driver Hits My Car?

What happens if my car gets hit by somebody who doesn't have insurance? -  The Globe and Mail

Our Nashville car accident attorneys explain how to get compensation in a claim if your car was hit by an uninsured driver.  

As with most other states, Tennessee has mandatory minimum requirements when it comes to car insurance. This helps protect drivers and other motorists in the event a car accident happens. Unfortunately, there are a variety of reasons drivers fail to comply with these laws. Our Nashville car accident attorneys explain what to do if you are involved in a crash with an uninsured driver and how to get the compensation you are entitled to in a claim. 

Uninsured Drivers Create Risks on the Road

State-imposed mandatory minimum car insurance requirements protect everyone involved in the event of an accident. Property damage liability offsets repair costs for other drivers in car accidents for which you are to blame while personal injury protection (PIP) coverage helps with medical expenses. Uninsured motorists’ coverage is also required in many states, including Tennessee. As the name implies, it offers additional protection in the event of a car accident with a driver who is not covered. 

Unfortunately, the Insurance Information Institute (III) reports that an average of nearly 13% of drivers throughout the country, or roughly one in eight motorists, are uninsured. Tennessee ranks within the top five states for uninsured drivers, with nearly 25% of motorists lacking coverage. Common reasons include: 

  • Mistakenly letting policies lapse;
  • High premiums due to traffic tickets or DUIs;
  • Problems obtaining insurance due to lack of a driver’s license or valid vehicle registration;
  • Forgoing insurance intentionally to cut costs. 

How to Get Compensation for Car Accidents Involving Uninsured Drivers

Car accidents involving uninsured drivers should be treated like any other type of collision. Take these steps to protect yourself and your rights in a claim: 

  • Notify police immediately;
  • Exchange contact, driver’s license, and vehicle registration with others involved;
  • Gather evidence at the scene, such as photos and contact information for witnesses;
  • Seek medical care as soon as possible, regardless of your symptoms. 

Your own insurance may cover some of the costs of an uninsured motorist accident. If the other driver was negligent in causing the crash, you can hold them liable under the Tennessee Code through a car accident lawsuit. 

Get an Experienced Nashville, TN Car Accident Attorney on Your Side

Why should you have to pay out-of-pocket for a car accident in which another driver is to blame? Even if they are uninsured, you may be entitled to compensation through your own coverage and by filing a car accident lawsuit. 

Our Nashville car accident attorneys act as a strong legal ally on your side in these cases. We gather evidence, file the appropriate legal documents, and represent you in hearings, with the goal of getting you the maximum amount for medical expenses, lost wages, and other costs. To request a consultation, give us a call at (615) 256-0100 or contact Bednarz Law online today.