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. At Gatti, Keltner, Bienvenu & Montesi, our team is here to help if you need a lawyer by your side. We will work to recover the compensation you are entitled to, whether through an insurance settlement or a personal injury lawsuit. Our car accident lawyers are ready to take on the fight to get victims of uninsured/underinsured car accidents in Memphis the compensation you deserve.
Getting Every Dollar You Are Entitled to
Uninsured and underinsured motorist insurance is meant to protect you from the financial losses associated with accidents caused by drivers who do not have adequate insurance. These accidents can cause massive damage and if the at-fault driver does not have proper insurance, you would be left on the hook for all of the expenses related to bodily injury and property damage caused by the accident. While you may believe that your insurance policy is going to pay all of these costs without question, you are most likely wrong in that assumption.
Insurance companies are for-profit companies that always work to secure maximum profits from their operations. This is done at the expense of clients, who just want their insurance policies to work as they were described at the time of purchase. Insurers may say one thing when you buy the policy, but when you try to make a claim, they will nickel and dime you to ensure that you get as little as possible from your claim.
Uninsured & underinsured car accident lawyers in Memphis understand the game that the insurance companies play, so we can fight to get every dollar that accident victims are entitled to. This process is complex, so do not try to do it on your own if you do not have to. We are ready to provide you with skilled legal counsel that makes a massive difference in the outcome of your claim.
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Tennessee Car Insurance Requirements
Tennessee has minimum car insurance requirements that drivers are expected to abide by. Unfortunately, though, many drivers ignore their legal responsibility to purchase coverage. In case you did not know, here are the minimum liability insurance requirements for Tennessee drivers:
- Drivers must have $25,000 of coverage for individual injuries they cause per accident
- Drivers must have $50,000 of coverage for the total injuries they cause per accident
- Drivers must have $15,000 of coverage for property damage they cause per accident
Refusing to purchase this minimum level of coverage is against the law. Worse yet, someone who operates their vehicle without insurance coverage risks not being able to pay for the damage they cause to their victims. This is wrong, but uninsured and underinsured motorist coverage can still offer you some protection from these wrongdoers after an accident in Memphis.
The Way Uninsured and Underinsured Motorist Coverage Works
Uninsured and underinsured motorist (UM/UIM) coverage is designed to protect you from financial losses if you are in an accident with someone who does not have enough insurance to pay for your damages. Although it would be ideal for them to pay you with their insurance, if they do not have insurance, this is not an option. So UM/UIM coverage fills a gap that could leave you unable to afford medical bills and property replacement costs associated with an accident caused by an uninsured driver.
UM/UIM policies cover you whenever the at-fault driver in an accident does not have enough liability coverage to pay your expenses. If you were at fault in the accident, your policy will not apply to the situation. Though, you may have other coverage, like liability, collision, or comprehensive coverage that helps you recover some of your losses.
If your policy does cover you, it will kick in to pay the difference between the at-fault driver’s insurance limits and your total expenses. Keep in mind that UM/UIM policies always have policy limits, so there is a chance that your full range of costs will not be covered. Even if they are, there is no guarantee that the insurance company will pay out the maximum possible settlement if you just file a claim the usual way.
To recover maximum compensation from a UM/UIM claim, you often need support from Memphis uninsured/underinsured auto accident attorneys. They will identify and document your total damages, allowing the insurance company to see exactly how much money you are owed. This entails several steps, such as reporting medical bills, assessing property damage, identifying non-economic damages, and calculating the total loss involved with the accident.
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Where does that Leave You?
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/underinsured car wreck lawyer first.
The process of contacting a lawyer is simple. All you need to do is schedule a free legal consultation with a law firm near you. What law firm you choose is up to you, but we suggest you find a firm that has extensive experience, caring client support, and access to a wide variety of legal resources, like expert witnesses.
The Help You Need Now
At Gatti, Keltner, Bienvenu & Montesi, our attorneys handle underinsured and uninsured motorist claims for people injured in auto 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.
Avoiding the Pitfalls
Most people in Memphis 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 a car 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.
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How a UM/UIM Attorney Puts You in a Stronger Position
When you are hurt in a crash caused by a driver who had little or no insurance, you should not have to absorb the financial consequences of someone else’s irresponsibility. A Memphis uninsured and underinsured car accident attorney steps in to level the playing field, particularly when your own insurance carrier begins looking for reasons to limit what it pays out. Understanding your rights under the state’s UM/UIM laws, and knowing how to enforce them, makes all the difference in what you ultimately recover.
An experienced UM/UIM lawyer begins by building a complete and well-documented picture of your losses. That means gathering medical records, working with treatment providers to establish the full cost of your care, assessing property damage, and calculating harder-to-quantify losses like pain, suffering, and the impact the accident has had on your daily life. Unfortunately, insurance adjusters routinely undervalue claims when victims handle the process on their own. With an attorney presenting a thoroughly supported demand, carriers are far less likely to lowball the settlement. In some cases, having legal representation alone is enough to shift the insurer’s position significantly.
A UM/UIM attorney also knows how to navigate the procedural requirements that the state imposes on these claims. Missing a deadline, failing to provide proper notice to your insurer, or making a misstep during the claims process can give the insurance company grounds to reduce or deny your benefits entirely. Having legal counsel could ensure those mistakes do not happen. From the moment you retain our firm, we handle every detail of your claim so you can focus on your recovery and your family while we focus on getting you paid.
Why Accident Victims Trust GKBM With Their UM/UIM Claims
Uninsured and underinsured car wreck claims in Memphis occupy a unique space in personal injury law. Unlike cases where you are going up against the at-fault driver’s insurer, UM/UIM claims often put you in the uncomfortable position of fighting your own insurance company — the one you have been paying premiums to for years. That dynamic requires a law firm with a specific kind of toughness: one that knows insurance policy language inside and out, understands how carriers think, and is not reluctant to apply pressure when a fair offer is not forthcoming.
That is exactly what GKBM brings to the table. Our attorneys have been handling insurance disputes in Tennessee since 1970, and insurance company tactics have never intimidated us. We know how to carefully parse a policy, identify coverage that adjusters may overlook or downplay, and present the kind of documented, evidence-backed demand that produces real results. We also have experience going head-to-head with insurers who initially refuse to pay what is owed. We do not settle for less than what our clients deserve, and insurance companies in this region know it.
We also make getting started as straightforward as possible. Consultations are always free; we come to you if you are unable to travel to our Memphis office, and our phones are staffed around the clock. There are no upfront costs, and you pay no fees of any kind until and unless we win your case. When your own insurance company is not playing fair, GKBM is the firm drivers trust to fight back.
Contact an Uninsured/Underinsured Car Crash Attorney in Memphis Today
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 Germantown, Tennessee. Call now and speak with a knowledgeable attorney about uninsured/underinsured car accidents in Memphis.
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