What can I do if an uninsured driver hits me?

As a responsible driver, you follow the laws that govern road safety, and you keep your auto insurance policy up to date. However, not all people carry auto insurance, even though Tennessee state law requires drivers to have liability insurance. If you’re hit by an uninsured driver, you may wonder who will pay for the damages.  

Understanding Uninsured Motorist Coverage

If you were hit by an uninsured motorist, you should first check your own policy for uninsured motorist (UM) coverage, as auto insurers offer coverage against drivers who don’t carry insurance. To find out if you have UM coverage, get a copy of your policy from your insurance company, check your declarations page, and look for UM coverage. If you have it, there should be a dollar amount listed next to it for how much your policy covers you against uninsured motorists.

What If I Don’t Have UM Coverage?

In 2009, the Insurance Research Council reported that 24 percent of Tennessee drivers didn’t carry insurance. Some of these drivers cite rising insurance costs and poor economy as reasons for not maintaining adequate car insurance. If you are a driver who doesn’t carry UM coverage, you still have options, including:

  • Personal injury protection. Your insurance policy may provide personal injury protection coverage, which should cover any injuries from the crash. Again, check the declarations page on your policy to see if you have this type of coverage.
  • File a claim against the at-fault driver. If you pay for your own medical bills, rental car, and car repairs, it’s possible to file a claim against the uninsured driver to recover these costs.

If you’ve been hit by an uninsured driver and you have questions about your insurance policy or how to proceed with filing a claim against the driver who hit you, call the experienced lawyers at Holton Law. We can help you navigate the legal process to recover damages after the accident.