Driver injured in uninsured car accident - Flexer Law, Nashville personal injury attorneys

Uninsured and Underinsured Motorist Coverage

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 underinsured or uninsured motorist, you may need to go to your own insurance company to seek benefits.

 

Personal Injury Attorneys Working with Uninsured Motorist Cases

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

 

Flexer Law Office Locations

We have law offices conveniently located throughout Middle Tennessee. You will not pay anything unless we are successful in helping you get compensation for your injuries.  

 

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 UIM 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 driver coverage for this reason.

 

Middle Tennessee Personal Injury Attorneys

Don’t hesitate to contact Flexer Law for expert legal guidance in this matter. We can help you determine whether you have uninsured and underinsured motorist coverage and, if so, whether you are entitled to benefits.