Driver with neck injury

Uninsured and Underinsured Motorist Coverage

Personal Injury Attorneys Working withUninsured Motorist Cases

Columbia Underinsured Motorist Lawyer

Seeking Injury Benefits From Your Insurance Company

Tennessee has many irresponsible drivers who try to avoid responsibility for their actions by driving without adequate insurance coverage. If you have been hit by an uninsured or underinsured driver, you may need to go to your own insurance company to seek benefits.

At The Law Offices of James Flexer, our Nashville uninsured motorist attorneys help clients pursue uninsured and underinsured motorist benefits for their accident injuries. Contact us today to set up a free consultation with an experienced personal injury lawyer.

We have offices in Nashville, Murfreesboro and Columbia, and you will not pay anything unless we are successful at helping you get compensation.

What Is Covered in UIM Insurance Policies?

Uninsured and underinsured motorist (UIM) coverage is a provision in some auto insurance policies that provides benefits for people injured in accidents caused by drivers who do not have insurance or whose insurance policies are inadequate to provide full compensation.

Uninsured and underinsured motorist coverage is generally available whether or not you were in your own car, in another vehicle or a pedestrian at the time of the accident.

If you were struck by a hit-and-run driver, you may also be entitled to uninsured and underinsured motorist coverage if there is enough evidence in support of your claim. This is also known as the “phantom driver” provision of Tennessee UIM law.

Why Is It Important to Have This Coverage?

Unfortunately, not every driver in Tennessee has uninsured and underinsured motorist coverage. While insurance companies are required to offer it, policyholders can opt out of it by signing a waiver. Certain “low-cost” insurance companies routinely seek these waivers.

In Tennessee, you do not need proof of auto insurance to get a driver’s license or register a car. Therefore, many drivers on our roads are uninsured. We encourage everyone to have uninsured and underinsured motorist coverage for this reason.

Don’t hesitate to contact us to determine whether you have uninsured and underinsured motorist coverage and, if so, whether you are entitled to benefits.