Unfortunately, this situation commonly arises. Both Tennessee and Mississippi have a high number of uninsured drivers. A study by the Insurance Research Council (IRC) found that 22.9 percent of the drivers in Mississippi had no insurance (third highest in the country), while 20.1 percent of the drivers in Tennessee lacked insurance (sixth highest).
If the other driver has no insurance, you may be eligible to file an uninsured motorist (UM) claim through your own insurance company. In both Tennessee and Mississippi, you should have UM coverage unless you rejected it in writing. The coverage should be in the same amounts as your liability coverage unless you selected lower amounts.
Even though you will deal with your own insurance company, the insurer may try to deny or minimize your payout. However, if you work with an experienced attorney who knows how insurance companies operate, it will greatly enhance your ability to maximize your recovery. To learn more, contact attorney David E. Gordon today. He will provide a free review of your case, including a review of any available UM coverage.