Medical care is very expensive. So expensive, in fact, that the total bill for treating only a moderately serious injury suffered in a car accident can quickly exceed the amount of coverage provided under the at-fault driver’s insurance policy, if they had any insurance at all.
If you added underinsured and uninsured motorist coverage to your automobile insurance policy, you may be able to recover some or all of your accident-related losses by filing a claim with your own carrier. But, in order to get your insurance carrier to pay you those benefits, you may need to talk to a Memphis uninsured and underinsured motorist lawyer first.
At Gatti, Keltner, Bienvenu & Montesi, PLC, we handle underinsured and uninsured motorist claims for people injured in motor vehicle accidents throughout the Memphis Tri-State Area. Insurance issues have been a part of our personal injury practice since we opened our doors for the first time in 1970. We are confident that we can help you today. To learn more about your legal rights and what we can do to protect them, call or contact us today for a free consultation.
Most people assume they will be fully covered by either the other driver’s insurance or by their own underinsured and uninsured motorist coverage if they are injured in an accident. However, insurance laws governing underinsured and uninsured motorist claims can be complicated. If the correct procedures are not followed when you make an underinsured or uninsured motorist claim, the insurance company may be able to get away with not paying you any benefits.
Read more about Tennessee insurance laws here.
Our attorneys know the insurance laws of Tennessee, Arkansas, and Mississippi, and we know how to read an insurance policy. You can count on us to handle your claim correctly and to identify additional sources of compensation where they exist.
Whether you come to see us in Memphis or we travel to meet with you in your home or at the hospital, the consultation is free — no strings attached. Our phones are answered 24 hours a day, and we have a second office location in Olive Branch, Mississippi. Call now and speak with a knowledgeable uninsured and underinsured motorist attorney in Memphis.
A:Like other states, Tennessee requires drivers to at least have minimum insurance coverage in case they get into an accident. These minimums are $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle; $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle; and $15,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle. Unfortunately, these minimal amounts are often not enough to cover an injured driver’s expenses.
A:UIM coverage is an add-on to your existing auto insurance policy that provides additional compensation in the event you are hit by an uninsured driver. Unfortunately, many drivers opt out of this coverage to reduce their monthly premium, which leaves them in the lurch if they are hit by a driver without sufficient insurance coverage.
A:If you don’t have UIM coverage on your policy, you may be able to file a personal injury lawsuit against the driver themselves. The biggest problem with this route, is that the average person doesn’t typically have the funds or assets to cover the high medical costs associated with accident-related injuries. Nonetheless, the attorneys at Gatti, Keltner, Bienvenu & Montesi are dedicated to getting you the money you deserve. We will pursue all possible avenues of compensation to help you cover your accident-related expenses. Call us today