You can experience an injury in an auto accident in North Memphis, Tennessee, that involves an uninsured or underinsured motorist. Even though the other motorist may have no insurance or inadequate coverage, this individual can still be held financially responsible for your accident. By partnering with a North Memphis uninsured and underinsured motorist attorney, you can seek the most damages possible.
At Gatti, Keltner, Bienvenu & Montesi, PLC, we help car accident victims. Reach out to our law firm today. A North Memphis personal injury lawyer can examine your case and help you decide how to proceed.
Everything You Need to Know About Auto Insurance Requirements in North Memphis
Tennessee has a Financial Responsibility Law in place that affects motorists. If a motorist causes an accident, this individual can be held financially responsible for it. To ensure that a motorist is able to pay the costs of an auto accident, it is in their best interest to buy car insurance.
Along with its Financial Responsibility Law, Tennessee has the following required minimum limits for liability car insurance:
- $25,000 for an injury or death in an accident
- $25,000 for property damage in an accident
- $50,000 for all injuries or deaths in an accident
Tennessee’s insurance requirements apply to anyone who has a passenger or motorcycle license plate. If someone causes an auto accident but does not meet these requirements, it may seem impossible to get money from them. Fortunately, an uninsured and underinsured motorist attorney in North Memphis can help you.
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When to File a Lawsuit Against an Uninsured and Underinsured Motorist in North Memphis
In Tennessee, you have up to one year from the date of your auto accident to file a lawsuit. If you get injured or suffer property damage in a car accident caused by an uninsured or underinsured motorist in North Memphis, file your lawsuit right away. By doing so, you can request damages in accordance with Tennessee’s statute of limitations.
You can ask for any amount of economic damages in an auto accident lawsuit to cover your medical bills, lost wages, and other objective losses. There is a cap of $750,000 on non-economic damages, which refer to compensation awarded for pain, suffering, and other subjective losses. If you suffer a catastrophic injury, the cap on non-economic damages increases to $1 million.
An uninsured and underinsured motorist lawyer in North Memphis can help you get your lawsuit off the ground. Your attorney will file your lawsuit and make sure you request an appropriate amount of economic and non-economic damages. Next, your attorney will help you prepare for your trial.
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What You Need to Win or Settle a Lawsuit Against an Uninsured and Underinsured Motorist in North Memphis
Evidence is paramount in a lawsuit against an uninsured and underinsured motorist. Key pieces of evidence you can use to build your argument against an uninsured and underinsured motorist include:
- An accident report
- Photos and videos from the accident scene
- Witness statements
- Medical bills and records
- Pay stubs
Gatti, Keltner, Bienvenu & Montesi, PLC has many years of experience in auto accident lawsuits. To date, we have helped our clients secure millions of dollars in damages. We can help you gather and review the evidence and figure out the best way to present it in court.
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How Negotiations Work in a North Memphis Uninsured and Underinsured Motorist Lawsuit
You want a fast resolution to your car accident lawsuit but will likely have to wait. Many cases take months before they go to trial. In the meantime, your attorney will work with the defendant’s lawyer to see if a settlement agreement can be brokered between both sides.
The defendant in your uninsured and underinsured motorist accident lawsuit can propose a settlement at any point before your trial date. If you get a settlement offer, it is in your best interests to review it with your attorney. Then, you and your lawyer can evaluate all aspects of the offer and decide if you should accept, counter, or reject it.
If you accept a settlement, you receive a portion of the damages you initially requested, and your case is closed. Comparatively, you can counter a settlement offer and let the defendant decide if an offer you propose meets their expectations. In the event you choose to decline a settlement, you and your attorney continue to search for ways to strengthen your case.
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What to Expect When a North Memphis Uninsured and Underinsured Motorist Lawsuit Goes to Trial
You may work closely with your attorney in the hopes of settling your case prior to a trial. Despite your best efforts, you and the defendant cannot come to terms. If this happens, you go to court, and you get the opportunity to present your argument.
In a trial, you can explain why you deserve to be awarded full damages. Your attorney will ask you questions and cross-examine witnesses, and the defendant’s lawyer will do the same. At the conclusion of your trial, the court decides if you will be awarded full or partial damages or no damages at all.
Your attorney advocates for you and works diligently to show the court you deserve 100% of the damages you request. If your lawyer is successful, it will be clear that the defendant is fully responsible for your auto accident. As a result, you can receive full damages.
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How to Choose a North Memphis Uninsured and Underinsured Motorist Lawyer
To evaluate a North Memphis uninsured and underinsured motorist attorney, you should look at the lawyer’s:
- Case Experience: Get details about how the attorney has helped clients in prior cases involving uninsured and underinsured motorists.
- Client Testimonials: Find out what past clients are saying about the attorney and what it is like to work with them.
- Communication Skills: Meet with the lawyer to get a good idea about how the attorney communicates and collaborates with their clients.
Select a lawyer that you trust to do their best. The lawyer will commit the time, energy, and resources to resolve your case in as little time as possible. On top of that, the attorney will put you in the best position to secure the maximum amount of damages.
Partner with an Uninsured and Underinsured Motorist Lawyer in North Memphis
Gatti, Keltner, Bienvenu & Montesi, PLC offers instant access to an experienced uninsured and underinsured motorist attorney. To get started or request a free consultation, please contact us today.