When you are involved in a car accident, it can be extremely overwhelming. But when the other driver is uninsured or underinsured, it can complicate things even more. Many insurance policies have coverage for uninsured or underinsured cases, but insurance adjusters are known to deny or dispute these claims.
When you are hurt in an uninsured/underinsured car accident in Cordova, you might be wondering what you can do. An experienced car crash attorney can advise you of your legal rights and remedies. While it is not ideal, there are still ways to pursue compensation for your injuries regardless of the at-fault driver’s insurance. Ask the Law Office of David E. Gordon about your options.
Filing a Lawsuit Against an Uninsured Driver
Many car accident cases are settled through the insurance company. It is more efficient and helps the drivers avoid the cost and stress of litigation. However, when the at-fault driver does not have insurance, the injured person may opt to sue them personally. Someone hurt in a motor vehicle collision will need medical care and suffer lost income and other losses from the accident. When one driver is not insured, it can leave the victim to cover the cost of their injuries alone. If the injuries are serious, this can seriously disrupt their life.
If the injured person does not have uninsured motorist coverage, their only option for compensating their injuries is a personal injury lawsuit. However, even if the lawsuit is successful, it does not guarantee compensation, as the uninsured defendant may have limited economic means without coverage to pay damages. Consult a seasoned Cordova uninsured car accident attorney like David E. Gordon before filing a claim.
Compensation From an Underinsured Motorist
Another frequent issue that arises in car accident cases is when the at-fault driver is underinsured. While there are legal requirements for minimum coverage, when injuries are particularly devastating, it might not even make a dent in compensating for the victim’s losses. The cost of hospital care, surgery, rehab, and physical therapy can add up quickly. It is not uncommon for an injured person’s losses to exceed the liable driver’s insurance coverage.
When a motorist is underinsured, there are a few options. The injured person can reject the settlement and pursue a lawsuit. But again, there is no guarantee for compensation if the driver does not personally have the means to pay damages. More frequently, the injured person can seek compensation through their own insurance policy. A Cordova underinsured car crash lawyer can help hold the at-fault driver personally liable or file a claim through the injured person’s own insurance.
Consult a Cordova Attorney After Getting Hurt in a Car Accident With an Uninsured/Underinsured Motorist
Tennessee law requires insurance companies to offer uninsured or underinsured coverage. While drivers can reject this, many opt to pay for the additional security. When you are involved in an automobile wreck, there is no guarantee that the other driver is insured or that their insurance will fully compensate you for your losses.
Board-certified personal injury lawyer David E. Gordon understands how stressful being hit by an uninsured or underinsured motorist can be. He has experience handling cases involving uninsured/underinsured car accidents in Cordova and is ready to advise you of your options. Whether you decide to sue the uninsured driver directly or pursue a claim through your insurance, he can help. Contact our office to schedule a free and confidential consultation.
