If you were injured in a car accident due to the negligence of another driver, you should be compensated for your injuries. Sometimes, however, the at-fault driver either does not have insurance at all or does not have enough insurance to fully compensate your injuries. Making claims for uninsured/underinsured car accidents in Memphis can be complicated, but an experienced attorney can help guide you through the process.
At The Law Office of David E. Gordon & Elissa M. Coombs, we can protect your legal interests after a car wreck. We will work with the insurance companies on your behalf to negotiate a settlement, including filing an uninsured or underinsured claim if needed. Contact David and Elissa today for a free case evaluation.
Insurance Requirements in Memphis
Drivers are financially responsible to the other driver and passengers if they cause a car accident. Typically, motorists have liability insurance to ensure they can pay for damages if they cause a car accident. However, not all drivers carry the insurance the law requires. Other times, the driver’s coverage is not enough to compensate an injured individual completely for the damages they sustained. Drivers have the option to obtain additional insurance that can assist in such cases.
A knowledgeable Memphis attorney can explain the advantages of having additional uninsured/underinsured motorist coverage in case of a car accident.
What Is Uninsured/Underinsured Coverage?
The driver who caused the car accident is responsible for the damages sustained by the other driver and passengers. Typically, after an accident, the injured party will seek compensation from the at-fault driver’s insurance company. If the negligent driver who caused the car accident is uninsured or underinsured, the injured person can seek compensation from their own insurance company. However, this type of claim can only be requested if the at-fault driver’s insurance has been exhausted.
Because this process can be complicated, it is imperative to speak with an experienced Memphis car accident attorney about uninsured/underinsured motorist coverage.
What Coverage Is Needed?
Although the law does not require drivers to have underinsured and uninsured motorist coverage, it is highly recommended that drivers obtain such coverage. The law does require drivers to have minimum amounts of insurance to include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
While these minimum amounts could compensate an injured person for some damages, it may not be enough depending on the severity of the accident.
If an accident occurs, it can be difficult to know exactly how much coverage will be needed. David and Elissa can explain whether an uninsured or underinsured claim should be made on an individual car accident in Memphis to ensure that full compensation is received by the injured party.
Contact a Memphis Car Accident Attorney Today About Uninsured/Underinsured Motorist Coverage
If you were injured in a car accident due to the careless actions of another driver, you should be compensated for the injuries you sustained. However, uninsured/underinsured car accidents in Memphis can be difficult to handle on your own.
At The Law Office of David E. Gordon & Elissa M. Coombs, our team has successfully assisted injured individuals in navigating uninsured or underinsured motorist claims. We want to ensure that you receive the compensation you deserve. Contact David and Elissa today for a free consultation.
