No one wants to get into a car accident, but with more than 200 million drivers in the United States, even the most cautious drivers may have to deal with a collision at some point in their lives. Here in Memphis, where many of us rely on cars for our daily commutes to and from work, we all need to be prepared for the possibility.
Trading insurance information is one of several critical steps to take right after an accident (though remember to be quick and on topic while doing so — saying too much could negatively affect your claim). But let’s say the other driver is uninsured. Now what?
There is a way to protect yourself before an accident even happens.
Even though Tennessee law requires auto insurance, there are thousands of drivers who break the law and drive without insurance. And according to a study by the Insurance Research Council, Tennessee has one of the highest rates of uninsured drivers.
Uninsured motorist (UM) coverage protects you from covering all the costs if you’re hit by an uninsured driver. In Tennessee it is unlawful for an insurance agent to sell you an auto insurance policy without UM coverage unless you request it in writing.
Some of the smaller companies try to avoid selling it by telling policyholders to quickly sign for the cheapest coverage. As a car accident attorney Memphis has turned to for more than 30 years, my advice is to never buy a policy without UM to save money. Whatever amount you pay for UM pales in comparison to the financial repercussions of an accident with an uninsured driver.
Work with an experienced car accident attorney Memphis trusts.
Making a claim under your policy’s UM provision can be a complicated, lengthy process — and insurance companies are ready to take advantage of the complications. An experienced attorney has the knowledge that is necessary to find the best options for your situation.
Talk to a car accident lawyer today.
Car accidents are stressful, exhausting situations, and at Darrell Castle & Associates, PLLC, we understand the emotional and physical toll. We’ve been doing this for more than 30 years, and we know how to help you get the compensation you deserve with minimal stress.
Accidents caused by uninsured drivers can be even more stressful, and it’s important to speak with an experienced car accident attorney Memphis trusts right away. We are here for you. Call (901) 327-2100 or contact us here to set up your free consultation today.