Do you have coverage for uninsured motorists? If you do, when the accident occurred, you might be lucky. The craziest thing is that your own insurance company can DEFEND the claim. That's right, even if you have coverage for uninsured motorists, you have to beat your insurance company. So how do you recover the money lost from time off work, medical bills, and pain and suffering in that situation? If you were recently injured in a motor vehicle collision in Tennessee caused by another motorist, one of the first things you'll want to confirm is that the at-fault party had liability insurance.
A car accident is stressful enough that you have to worry about whether you will ultimately receive compensation for property damage, physical injuries, and mental suffering. However, what if the driver who caused your accident didn't have insurance? Can you still file a claim? The good news is that you may still have options worth following and that they can provide you with compensation for the damages you have suffered. You may have to pay your collision deductible, but you could receive that money when your insurer reaches an agreement with the other driver's insurance company. A wrecked car is a vehicle that an insurance company considers a total loss, meaning that your car cannot be repaired or that the cost of repairs exceeds its value.
The insurance company will assign an insurance adjuster to your claim and will request additional information from you about the accident. A Morgan & Morgan car accident lawyer can help you avoid leaving money on the table when someone adds your car in an accident. File injury claims to your insurance company under personal injury protection (PIP) insurance or MedPay if you have either type of coverage. By knowing the most common types of claims, you'll be able to better decide which types of car insurance are best for you.
If you have comprehensive and collision coverage, you should receive an insurance agreement to help replace your damaged car. Contact your insurer and the at-fault driver's insurance company right away, as processing a total loss insurance claim can take a long time. Most auto insurance companies require that you report accidents as soon as possible, but reporting an accident doesn't automatically mean you're going to file a claim. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim.
You file a collision claim against your own insurance policy because you need a new car as soon as possible. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. If the damage to your car is likely to cost less than your deductible and no one else was involved, you don't need to file a car insurance claim, since your insurer won't pay the claim. To better understand which insurance company you should file your claim to or the types of claims you should file in different situations, check out WalletHub's car insurance claims guide.
Liability insurance pays for injuries and damages that a driver may cause to other people and property if they are at fault in a car accident. In the state of Tennessee, liability insurance providers are required to offer “coverage for uninsured motorists” when drafting a liability insurance policy.