Chattanooga Personal Injury Attorneys

What Happens When The Other Driver Has No Insurance?

What Happens When The Other Driver Has No Insurance?

It’s a nightmare no driver wants to face. Everyone on the road is supposed to have insurance to help cover the costs of injuries. The other driver’s insurance company is supposed to provide compensation. But what happens if the other driver doesn’t have insurance? How do you get the money you need for hospital bills, lost wages, pain, and suffering repairing your vehicle, and all the other troubles that come after a car accident?

Here are the steps you can take:

Get Uninsured/Underinsured Motorist Coverage

All insurance companies are required to offer you uninsured or underinsured motorist coverage. This is the first step in getting your bills paid if you’re injured by someone without insurance. Tennessee requires motorists to carry uninsured motorist coverage. Unless you reject it in writing, there is a good chance that you can just contact your insurance company and invoke this part of your policy to get compensation. Generally, the amount covered by the uninsured motorist coverage is the same amount that’s covered by your standard liability insurance.

If you have to use this insurance, you may have to pay a deductible. Assuming that the other driver was at fault, you can sue the driver for your deductible amount in small claims court. A personal injury attorney can help you prepare your case if you plan on suing the driver.

Collision Coverage

Collision coverage covers the costs of vehicle repairs in the event that the other driver cannot pay enough to cover it. It does not cover the costs of any injuries. But if your car is totaled, then collision coverage can help you get the money you need to get a new vehicle. However, collision coverage is an extra purchase for your policy so it will raise your premium to add it.

What if it’s Not Enough?

If you only have the minimum coverage and your injuries are extensive, catastrophic, or long-lasting, your coverage may not be enough to deal with all of the costs. In these cases, you may need to turn to the help of a personal injury attorney to sue the responsible party directly. Tennessee is an at-fault state. In other words, if you can prove to the court that the other driver was at fault in the accident, then they will be held responsible.

However, if the other driver isn’t carrying insurance they may not have enough assets to seize through a lawsuit to make it worth your while. A consultation with a car accident attorney can help you understand your options, as well as help you determine whether or not it would be worth the time and money to file a suit. You have up to one year after the accident for personal injury claims and three years after the accident for property damage claims, so don’t feel like you have to rush this decision. Start with your insurance company first, then contact an attorney.

By |2022-03-14T19:35:50-04:00September 29th, 2017|Accidents|0 Comments
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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.