$60 M



Chattanooga Uninsured Car Accident Attorney

Were you involved in a car accident with an uninsured driver?

  • Do not rely on insurance companies.
  • You are our top priority.
  • Stay away from a settlement mill.

We understand the hardship and loss that people suffer after any type of injury. Accident victims and families in East Tennessee and North Georgia rely on the experienced Chattanooga uninsured car accident attorneys at Dennis and King to help them in aftermath of difficult situations.

What is Uninsured/Underinsured Motorist Coverage?

Uninsured/underinsured car accidents are, unfortunately, much more common than you might think. Uninsured/underinsured motorist coverage protects you if you are hit by a driver who either has no auto insurance or is underinsured for the level of damage you have suffered. Both coverages are mandatory in many states but a good idea for all drivers. In the state of Tennessee, you may opt out of carrying uninsured/underinsured motorist coverage, however, it is highly recommended that you keep this coverage on your policy.

Tennessee mandatory minimums include $25,000 per person and $50,000 per accident for bodily injury liability, $25,000 per accident for property damage liability, $25,000 per person and $50,000 per accident for uninsured motorist bodily injury (if you do not opt-out), and $25,000 per accident for uninsured motorist property damage (if you do not opt-out). Not only will uninsured/underinsured motorist coverage pay for your damages if you are hit by an uninsured or underinsured driver, but it will also cover you if you are the victim of a hit-and-run accident.

How Many Tennessee Drivers Are Uninsured or Underinsured?

According to Money Geek, across the United States, there are 28 million uninsured drivers—about one in eight motorists do not have auto insurance. This number has been steadily increasing as a result of an increasing population of drivers, as well as a more fragile economy. The state of Tennessee ranks third in the nation for the highest percentage of uninsured drivers. Tennessee had 23.7 percent uninsured drivers as of 2021, exceeded only by Mississippi (29.4 percent), and Michigan (25.5 percent).

What Should I Do Following a Car Accident with An Uninsured Driver?

What you do immediately following a Chattanooga auto accident can have far-reaching consequences. Of course, the first thing you should always do is tend to your own injuries as well as the injuries of others involved in the accident. The adrenaline that floods your body at the time of an accident can often mask symptoms of injury.

This causes many people to refuse medical treatment under the belief they are “fine.” Later, once they are home and the adrenaline rush wears off, they realize they are far from fine. While you can—and should—seek medical treatment whenever you realize you are injured, sooner is always better as far as a personal injury claim is concerned. If you are medically able while at the scene of the accident, do the following:

  • Call 911 for the police and EMS if no one else has done so.
  • Ask the police officer when and where you can obtain a copy of the police report.
  • An uninsured driver may try to convince you that it’s not necessary to call the police, telling you they will pay for the damage to your vehicle. ALWAYS contact the police after an accident, as it could make a significant difference in the outcome of your claim against an uninsured driver. It is even more important to follow every step if you are the victim of an uninsured/underinsured car accident.
  • Exchange contact and insurance information with the other driver (unless you are the victim of a hit-and-run, in which case do your best to remember every detail possible about the other driver’s vehicle).
  • Take photographs of the scene of the accident with your phone, including the license plate of the driver that hit you.
  • If there are witnesses to the accident, obtain contact information from them.
  • Once you have received medical treatment and are home, take the time to write down every detail you can remember relating to your accident.
  • Contact your own insurance company to let them know about the accident, giving them the basic details related to the collision.
  • Contact an experienced attorney who has dealt with uninsured/underinsured car accidents and knows the best way to proceed. Never settle your case without first speaking to a knowledgeable attorney. Insurance companies often offer a quick, low settlement that won’t even begin to cover your injuries, yet once you have accepted such an offer, there are no “do-overs.”

In the Chattanooga area, the following emergency services can be helpful following a car collision:

Should I Sue an Uninsured Driver?

While you could potentially sue the uninsured driver who hit you, more often than not, doing so simply doesn’t make sense. For the most part, uninsured drivers are uninsured because they don’t have the money to purchase insurance. Therefore, suing a driver who has no financial resources is unlikely to have much benefit. This does not mean that you have no recourse when you are hit by an uninsured driver. Speaking with a highly qualified car accident attorney from Dennis and King can ensure you explore all options for recovering damages.

If you carry uninsured motorist coverage, you can file against your own insurance company. It is important to know that most insurers limit the amount of time you have to make an uninsured/underinsured motorist claim—in some cases, that time can be as few as 30 days from the date of your accident. Your attorney can help you explore other options including your own health insurance, long-term disability insurance, workers’ compensation insurance, or, depending on the circumstances of your accident, you may be able to file against a third party for damages.

How to Choose the Best Uninsured Car Accident Lawyer for Me

When you are injured, perhaps unable to work, choosing the best Chattanooga injury lawyer can seem like an overwhelming task, yet it can be a crucial decision that significantly affects your health, your finances, and your future. The qualifications of the lawyer you choose can make all the difference in the outcome of your uninsured/underinsured car accident. Not only do you want an attorney who is experienced and knowledgeable, but you also want an attorney whom you feel comfortable with—one you trust to have your best interests at heart. At Dennis and King, attorneys Tricia Dennis and Russell King have a solid track record of success, as well as an impeccable reputation in the industry. When you choose Dennis and King Law:

  • You will always work with your attorney rather than being handed off to a paralegal.
  • Your attorneys will have more than 75 years of combined experience in personal injury cases.
  • Flexibility is a given—we will come to you in the hospital or at your home if you are unable to travel as a result of your injuries. If traditional hours don’t work for you, we will see you after hours or on the weekend.
  • Our highly skilled attorneys will tailor a strategy that is unique to you and your situation.
  • A smaller law firm provides the personalized attention you need and deserve, yet even though we are not a huge law firm, we have the necessary resources to comprehensively investigate your accident, hire experts when necessary, and litigate your claim when the insurance company refuses to agree to a fair settlement.
  • Our firm’s reputation is well known. We are trusted by clients as well as by those we work with. This reputation helps ensure you and your claim are taken seriously and given the respect you deserve.
  • The track record of Dennis and King speaks for itself—we have secured millions of dollars in settlements and verdicts for our clients.

Contact the Uninsured/Underinsured Car Accident Lawyers from Dennis and King

An uninsured/underinsured car accident brings an extra layer of complexity to an already complicated, confusing issue. Tricia Dennis and Russell King have the necessary skills and experience to ensure the best outcome following your car accident. Russell is one of the best trial lawyers and negotiators in Chattanooga, while Tricia excels at legal and medical research, writing, valuation of cases, and educating clients so they can make the best legal decisions.

Both Tricia and Russell are skilled negotiators, using those skills to advocate for their clients and secure a fair settlement. They also have extensive litigation experience when a fair settlement simply cannot be negotiated. If you want a passionate advocate who will thoroughly investigate your accident before putting together a winning strategy, contact Dennis and King Law today.

Personal injury attorneys - Cover of the the "know your rights after a serious car accident" PDF


Your Rights After A Serious Car Accident

  • This field is for validation purposes and should be left unchanged.

Looking for more free resources to help you with your personal injury claim?


A Personal Approach for Accident Victims

Personal Injury

Car Accidents

Truck Accidents

Motorcycle Accidents

ATV Accidents





Personal injury 

In almost all personal injury claims, insurance companies will offer you significantly less than what you deserve. It’s tempting to accept the first offer, especially if you are in a great deal of pain and unable to return to work. But if you’ve already taken a devalued settlement from the insurance company and your medical bills start to pile up, there’s little legal recourse to ask for more. That’s why it’s crucial to involve a Chattanooga personal injury lawyer before you even file a claim.

About Personal Injury >

Car Accidents

Chattanooga car accident lawyers Tricia Dennis and Russell King have recovered millions of dollars in Georgia and Tennessee for car and motor vehicle accident victims like you.  If you or a loved one has been injured and need help with your medical bills, then you have come to the right place.   Auto accident victims and their family members in East Tennessee and North Georgia can confidently rely on the experienced auto accident attorneys at Dennis and King. We are the law firm that has compassionately, yet effectively, helped victims and their loved ones navigate the aftermath of difficult situations.

Our Car Accident Lawyers >

Trucking Accidents

Truck accidents in the United States are on the rise. Recent statistics show that almost 150,000 people are injured in truck accidents each year, and 6,000 people are killed. The regional area of Georgia and Tennessee is a crossroads and a center for car manufacturing, river traffic, and other industries. Large trucks, semi-trucks, 18-wheelers, and other commercial vehicles are constantly on the road. This has a downside as frequent truck accidents occur on I-75, I-24, I-59, Highway 153, U.S. 27, Amnicola Highway, Corridor J, and other roadways. If you or a loved one has been injured in a Georgia or Tennessee truck accident, you may be eligible for substantial compensation.

Our Truck Accident Lawyers >

Motorcycle Accidents

Experienced Chattanooga motorcycle accident lawyers Tricia Dennis and Russell King are avid fans of motorcycles, but they also realize how serious motorcycle accidents can be. With over 75 years of combined experience, Dennis and King Injury Law knows the legal process to achieve fair compensation for motorcycle crash victims. Contact one of our lawyers today to learn more about how to start your motorcycle accident claim.

About Motorcycle Accidents >

ATV Accidents

Under both Tennessee and Georgia law, ATVs are not authorized for use on paved road, but children continue to bring ATVs on to our roads and highways. Georgia and Tennessee laws also prohibit the carrying of passengers on most ATVs, require children below the age of 16 to take approved ATV training courses, and require kids younger than 16 to wear helmets, eye protection, and over-the-ankle boots when operating ATVs. However, these requirements apply only when ATVs are operated on public lands, leaving kids essentially without protection when riding ATVs on private property.

About ATV Accidents >

Bicycle Accidents

The most tragic type of bicycle crash is a bike-car collision. Cyclists are completely defenseless traveling on 30-pound bikes when they’re surrounded by 3,000-pound cars and trucks racing by them. Pedestrians, defective bike parts, recalled bike helmets, and other ineffective bicycle safety equipment can also cause bicycle accidents. Bike accidents can result in wrongful death or serious injuries such as broken bones, amputation, traumatic brain injury, neck, back, and spinal cord injuries.

About Bicycle Accidents >

Boating Accidents

One of three factors usually cause boat accidents: an inexperienced boater, an intoxicated operator, or a boat malfunction. More than a third of both fatal and non-fatal boat accidents are alcohol-related. It is estimated that boat operators with a blood alcohol content of .10 or higher are 10 times more likely to be injured or killed in a boat accident than sober operators.

About Boating Accidents >

Nursing Home Abuse

No one ever expects a family member or friend to be the victim of abuse or neglect in a nursing home. However, abuse and neglect do occur every day and in many ways.

Dennis and King are Chattanooga nursing home abuse attorneys who will fight to recover all that you and your loved one deserve. With our experience in nursing home negligence matters, we thoroughly and carefully assess each individual case. We prepare each case for either settlement or trial in order to obtain compensation for injury, medical expenses, and pain and suffering. We help victims and their families hold these facilities accountable.

About Nursing Home Abuse >

Premises Liability

Premises liability is a vital facet of personal injury law, placing responsibility on property owners for maintaining a safe environment. When accidents occur due to negligence or hazardous conditions on someone’s property, victims have the right to seek compensation. This encompasses incidents like slip and falls or inadequate security leading to assaults. Dennis and King excel in handling these complex cases, tirelessly pursuing justice for our clients.

About Slip and Fall Injuries >


Free Strategy Session

During your initial strategy session, we will assist you in creating a strategy in how to best pursue your claim, whether it be the result of a car accident claim, 18 wheeler injury, or, other kind of personal injury claim.

There are 5 points to your free claim strategy session:

  • First, we will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information you provide, we will give you our best advice on both what claims you have and the next steps you should consider to go forward with your claim.
  • If you claim is something that we think we can help you with, we will explain the services that we can provide for you, and what the next steps are that we should take. We will start working immediately.
  • If your matter is something that we do not think we can help you with, then we will attempt to put you in contact with another lawyer that might be able to help you.
  • Either way, what should happen is we will put to rest some of the unknowns that you may be experiencing. We will start to shed light on what you can expect and how to best pursue the benefits you deserve.