Woman standing next to car with a smashed headlight and dents.

What Is Uninsured Motorist Coverage?

Receiving Compensation Through Uninsured Motorist Cover

Getting into an accident with an uninsured driver can be nerve-wracking. When you need medical attention and have medical bills mounting related to your accident, you may wonder how you are going to be able to recover financially. Here’s where uninsured motorist (UM) coverage comes in.

How Does Uninsured Motorist Coverage Work?

In Tennessee, UM coverage isn’t required; however, it’s highly recommended. Adding UM coverage to your policy can save you headaches in the long run and offer you protection against uninsured motorists and hit-and-run accidents. Uninsured motorist coverage allows you and your passengers to recover compensation for your injuries, including medical bills and lost wages, should you be out of work due to your car crash injuries.

Is There a Statute of Limitations For Filing a Claim Under UM Coverage?

In Tennessee, you have one year from the accident date to file a car crash claim no matter what type of accident you are involved in. While one year may seem like plenty of time, it’s critical to contact your insurance company as soon as possible and begin the car accident claim process. Having an experienced car accident lawyer assist you can ensure your rights are protected, and filing deadlines are met. Missing the filing window means forgoing the compensation you deserve.

Injured in a Car Crash? Call Gatti, Keltner, Bienvenu & Montesi, PLC For Help.

When negligent drivers cause a crash and leave the scene of an accident, it’s against the law. Not only will they face criminal charges when caught, but they can also be held responsible for your injuries through a civil suit. If you or a loved one has been injured in a car crash, you have options in recovering damages. Let us help protect your right to receive the maximum compensation you deserve.

It’s Easy With Montesi! Contact us today at (901) 526-2126 to schedule a consultation and learn your rights.