The fallout of a motor vehicle accident is never easy. There is pain, frustration, and complicated conversations to sort out needed medical care and cut through the red tape of insurance policies.
If your accident is with an underinsured or uninsured motorist, this aftermath presents even more difficulties. Fortunately, a Germantown personal injury lawyer from Gatti, Keltner, Bienvenu & Montessori PLC is ready to help you through the process. After your accident, call for a free consultation.
Germantown Tennessee Motor Vehicle Insurance Laws
Tennessee requires drivers to carry the following minimum insurance:
- $25,000 of insurance coverage for each injury or death caused in a motor vehicle accident.
- $50,000 of insurance coverage for all injuries and/or deaths caused in a motor vehicle accident.
- $15,000 of insurance coverage for property damage caused in a motor vehicle accident.
Drivers who do not comply with insurance laws are subject to penalties that can include fines, loss of driving privileges, or even temporary loss of their vehicle.
However, according to the Insurance Information Institute, 24% of Tennessee drivers are uninsured. If you are in an accident with an uninsured or underinsured driver, it is vital to seek legal advice from a Germantown uninsured and underinsured motorist claim lawyer from Gatti, Keltner, Bienvenu & Montessori PLC so you can pursue the best settlement possible.
Uninsured Motorist Insurance (UMI)
Drivers can choose to add uninsured motorist coverage to their insurance policies. UMI provides limited coverage for injuries caused by hit-and-run accidents or accidents with uninsured motorists.
If you have UMI, it is still in your best interest to consult with an uninsured and underinsured motorist claim lawyer in Germantown after your accident. The coverage offered by UMI is limited and generally does not extend to property damage.
Tennessee Is a Fault State
Under Tennessee’s at-fault system, drivers who cause motor vehicle accidents are held responsible for injuries and property damages resulting from the accident. If the at-fault drivers have proper insurance, their insurance companies cover the damages.
Even in those more straightforward cases, it is best to call a Germantown uninsured and underinsured lawyer to help you establish a case and obtain a settlement. When the at-fault driver doesn’t have insurance, it is even more essential to seek legal guidance.
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How Your Germantown Uninsured or Underinsured Attorney Can Seek a Settlement
If the driver at fault for your accident does not have insurance or is underinsured, your attorney from Gatti, Keltner, Bienvenu & Montessori PLC will pursue other options so you can receive the compensation you need and deserve.
At-Fault Drivers’ Assets
Your lawyer may sue for the at-fault driver to liquidate assets as a way to collect damages or have liens placed on the responsible party’s property until damages are paid.
Your lawyer may discover that poorly maintained roads, streetlights, or traffic signs or signals contributed to the accident. In these cases, you may seek a settlement from government entities responsible for those failures.
If vehicle failure or malfunction prompted the accident, your uninsured and underinsured motorist claim attorney in Germantown will know how to pursue a case against the car or part manufacturer.
Your Germantown uninsured and underinsured motorist claim lawyer from Gatti, Keltner, Bienvenu & Montessori PLC will review the options and pursue all potential avenues for your settlement.
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Why You Need a Fair Settlement
The physical, emotional, and financial consequences of a motor vehicle accident can be severe and long-lasting. Injuries can cause temporary or permanent disability, preventing victims from working, socializing, or simply moving through daily activities as they used to.
The at-fault driver’s lack of insurance does not lessen these consequences. In fact, the increased complexity of seeking a settlement when there is no driver’s insurance can increase the stress the accident brings.
Similarly, the at-fault driver’s lack of insurance does not exempt you from paying your bills, seeking (always expensive) medical or home care, or repairing or replacing your property. Your Germantown uninsured and underinsured motorist claim lawyer knows what you need to recover and maintain the best quality of life possible: a fair settlement. They will work to restore your financial security with expertise and compassion.
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Why You Should Consult with a Germantown Uninsured or Underinsured Motorist Claim Lawyer Right Away
After your accident, seek medical care immediately. Fast medical treatment and rehabilitation are essential to your physical health and the health of your case. Sometimes, the severity or effects of injuries appear gradually. By delaying treatment, you may worsen your injury and may make it more difficult for your attorney to hold others fully responsible for your condition.
Once you have arranged medical care, call a Germantown uninsured and underinsured motorist claim lawyer from Gatti, Keltner, Bienvenu & Montessori PLC.
Your Lawyer Will Build and Manage Your Case
While you put your energy into recovery, your lawyer will collect evidence to build a strong case. This evidence may include photos or videos from the accident scene and of your injuries, witness statements, medical reports, testimonies from your caretakers, as well as other information. Your experienced attorney will be thorough, not “missing” any evidence that will help secure a settlement.
Your Germantown uninsured and underinsured motorist claim attorney will be your voice, speaking with the at-fault driver or their lawyers or insurance companies.
Your lawyer’s legal expertise means they understand Tennessee at-fault laws and know what you are entitled to. Your attorney will not be intimidated into settling for anything less than a maximum possible settlement.
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Consult with a Germantown Underinsured or Uninsured Motorist Claim Lawyer Today
Your physical health and the financial health of you and your loved ones require compensation for damages you sustain from a motor vehicle accident. It is in your absolute best interest to trust a Germantown uninsured or underinsured motorist claim attorney to take your case through the legal process, especially when the at-fault driver’s lack of insurance brings further complexity to that process.
Contact Gatti, Keltner, Bienvenu & Montessori PLC right now to schedule a free consultation. You will not pay anything until your attorney has won your settlement.