Who Pays For Car Accidents In Tennessee?
When you’ve been injured, call an attorney who can help you recover compensation
Car accidents are common in Davidson and surrounding counties, and throughout the state. People are left seriously injured and their lives are significantly impacted. Resolving a car accident claim can be complicated. Thompson Law helps the injured recover the financial compensation they deserve.
Who pays the financial compensation? Almost always, it’s an insurance company. In Tennessee, all drivers are required to buy car insurance to cover the cost of treating injuries and repairing property damage if there is a wreck. Their insurance policies must carry minimum amounts of liability coverage:
- $25,000 for each injured person, per accident
- $50,000 total for all injuries in an accident
- $15,000 for property damage, per accident
The damages suffered in an accident can be much higher than that. Attorney Christopher “Kim” Thompson recommends buying higher amounts of liability coverage to protect yourself. There is also optional coverage you can add to your policy. For example, collision coverage will pay for the damage to your car.
A lawyer who’s been helping car accident victims for decades
In some accidents, a driver who causes a car wreck does not have insurance – or does not have enough to cover the damages. In these cases, it is much more difficult to recover the full amount of compensation you deserve. But if you choose to buy uninsured (UM) and underinsured motorist protection (UIM) for your policy, you can file a claim with your own insurance company.
When you are injured in a car accident caused by a negligent driver, you can file a claim for damages with that driver’s insurance company. Recovering financial compensation can be complicated. Negligent drivers typically deny doing anything wrong and don’t accept responsibility. The insurance company is looking for ways to pay you as little as possible.
Attorney Thompson is very familiar with how insurance companies operate. He used to work for insurance companies as a claims adjuster. He knows their main interest is in protecting their bottom line. They want to keep their profits high. So, they try to keep their payouts low. There’s several different tactics they use to accomplish that goal.
The insurance company may question the extent of your injuries or ask you to get an independent medical evaluation. They may argue your injuries were pre-existing. They may even make you a lowball settlement offer. It won’t come close to covering all the damages you have suffered. Or, they may even try to blame you for causing the accident.
Building a strong case that gets results
Attorney Thompson investigates your crash to get the facts. He reviews accident reports and medical records. He identifies witnesses and interviews them. If needed, he consults accident reconstruction experts and other specialists. He focuses on building a strong case that insurance companies have to take seriously.
This often convinces the insurance company that it is best for them to stay out of court, and they agree to talk about a settlement. Attorney Thompson will negotiate a settlement that meets your needs. This includes compensation for current and future medical expenses, lost wages if you couldn’t work, and other damages such as pain and suffering.
If you were injured in a car wreck, contact a car accident lawyer today. Attorney Kim Thompson will review the details of your accident, address your concern, explain your options and answer your questions. There’s no cost and no obligation.