Having an accident without insurance Since Tennessee is an at-fault state, the consequences can be even more severe. You can also be sued, which would require you to pay additional fees for the court and an attorney. Injuries and losses caused by car accidents are often extremely costly, especially when the injuries are permanent or debilitating and require extensive medical treatment, rehabilitation, or long-term care. If the other driver in your car accident doesn't have insurance and you don't have uninsured motorist coverage, your only recourse to claim compensation is to sue that driver.
Tennessee uses the Insurance Industry Committee's Motor Vehicle Management Model to verify which drivers have insurance. This coverage is supposed to help cover costs if a driver causes an accident that causes injuries or physical losses. Motorists who drive without insurance are a major problem in Tennessee, as they put others at risk of serious injuries without providing financial resources to pay for the losses they cause. The person who caused the car accident is responsible for the damages regardless of whether they have insurance.
If you have been involved in an accident caused by another driver, you have the right to claim compensation for medical expenses and repairs to your vehicle. The Tennessee Evidence Rules prevent disclosing the existence or even asking if someone has insurance. Your insurer will also have to file an SR-22 form on your behalf, which could cause your rates to increase. When a person is injured in an accident caused by a negligent, reckless, or negligent driver, that person generally has the right to seek compensation for damages through the at-fault driver's insurance policy.
If you or a loved one has been seriously injured or killed in a car accident with an uninsured driver, the benefits available through the UK coverage in your own car insurance policy may cover the costs stemming from an accident with an uninsured driver. If you're more than 50% at fault for an uninsured car accident, expect to pay out of pocket for the other driver's damages and your own losses. Under Tennessee state law, you may have to pay fines, turn in your driver's license and registration, or even serve time in jail if you're caught driving without insurance. But what can a victim of a car accident do when the at-fault driver doesn't have enough insurance, or worse, doesn't have any insurance at all?.