Experiencing a car accident is stressful under any circumstance, but the situation becomes even more complicated when the other driver is uninsured. Although Tennessee requires drivers to carry minimum auto liability coverage, many still choose to drive without valid insurance. When that happens, recovering compensation for medical bills, lost wages, and vehicle repairs can feel overwhelming — but there are still several paths forward. As an attorney at Rabin Nimmo Law in Nashville, TN, I help clients understand their options and protect their rights after accidents involving uninsured drivers.
Immediate Steps to Take After the Accident
If you’re involved in an accident with an uninsured driver, quick, careful action is essential. Start by checking for injuries and calling law enforcement so an official accident report can be documented. Gather as much information as possible at the scene, including the driver’s contact details, vehicle information, witness statements, and photos of the accident.
You should also notify your insurance company promptly. Tennessee follows an at-fault insurance system, which means the driver responsible for causing the accident is legally obligated to cover the resulting damages. Fault determination will play a major role in how your claim proceeds.
Insurance Options for Uninsured Motorist Accidents
When an uninsured driver is at fault, your own insurance policy may offer important protection. Many Tennessee drivers carry uninsured/underinsured motorist (UM/UIM) coverage, which can help pay for medical expenses, lost income, and sometimes property damage if the at-fault driver lacks insurance.
If you also carry optional coverages such as collision or personal injury protection (PIP), these may help cover repair or medical costs regardless of fault. Without these additional protections, however, your ability to recover compensation through insurance alone may be limited.
Legal Recourse Against an Uninsured Driver
In some situations, filing a lawsuit against the uninsured driver may be a viable path to recover your losses. Legal action may help you pursue compensation for medical bills, property damage, pain and suffering, and other accident-related costs. However, this route is typically practical only if the at-fault driver has income or assets from which damages can be collected.
As a Nashville car accident attorney, I evaluate whether a lawsuit is worthwhile and guide clients through building a strong, well-documented claim.
Handling Hit-and-Run Collisions
If the uninsured driver flees the scene, your situation is treated similarly to any other uninsured motorist case. Since the responsible party is unknown, your uninsured motorist coverage often applies. It’s critical to file a police report immediately and inform your insurance provider without delay to preserve your right to use UM coverage.
How Rabin Nimmo Law Can Help
Dealing with an uninsured driver can be confusing and frustrating, but you don’t have to handle the process alone. As an attorney serving Nashville and Middle Tennessee, I work closely with clients to:
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Navigate the insurance claims process
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Communicate and negotiate with insurance companies
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Evaluate legal options and pursue compensation where possible
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Ensure all documentation is preserved and properly presented
Understanding your insurance coverage and taking prompt action after the accident greatly improves your ability to reduce financial strain and secure the compensation you deserve.