Many drivers in Johnson City and throughout Tennessee do not have liability insurance to cover the losses that result if they cause a crash, despite state laws requiring minimum liability coverage. Even if a driver has auto liability insurance, it does not necessarily mean it is enough for all your losses after a collision. Many Tennessee motorists carry only the minimum required coverage.

While uninsured (UM) and underinsured motorist (UIM) coverage on your own auto insurance policy can provide a financial cushion in these situations, you could still face challenges from insurers looking to protect their profits.

The Johnson City uninsured motorist lawyers at The Terry Law Firm understand your frustration after a crash with an uninsured or underinsured driver. Let us handle all the legal details of your case, from filing an uninsured/underinsured motorist claim to documenting your injuries and filing a lawsuit directly against a liable driver, if necessary.

We have been serving the Johnson City area for over 60 years and have recovered millions of dollars for our clients, demonstrating our skill and determination for every individual we serve.

Call now or complete our contact form for a free case review.

Understanding Uninsured and Underinsured Motorist Coverage in Tennessee

Unlike liability insurance, which pays for other people’s injuries and property damage you cause in a collision, uninsured/underinsured motorist (UM/UIM) coverage covers your injuries and the damage to your vehicle if the at-fault driver does not have insurance or their coverage is not enough to cover your losses.

Tennessee law does not require drivers to buy UM/UIM coverage, but insurers must offer it. If you wish to decline UM/UIM coverage as part of your auto insurance policy, you usually must do so in writing. If you do have UM/UIM coverage on your auto policy, you have a potential financial lifeline in situations where the motorist at fault for a crash has no insurance or not enough.

How UM/UIM Claims Work in Johnson City

Johnson City UM/UIM claims go through your insurer, not the other driver’s, but that does not make the process any less complicated. Your claim will still face scrutiny from your insurance company, as their goal is still to pay out as little as possible.

The UM/UIM claims process typically starts after the police file a crash report and your attorney collects your medical records to support your injury claim. Your lawyer then notifies your insurance carrier and submits proof of any losses you suffered in the wreck (medical bills, lost income, etc.). The insurer then evaluates who is liable for the crash, the extent of your injuries, and other factors specific to your case. They may ask for statements or records.

After the review, the claim moves to the demand stage, which involves your lawyer sending a written demand outlining your injuries, the treatment you need, and the crash’s financial impact. The demand letter sets the stage for settlement negotiations.

If settlement talks stall, your attorney can file a lawsuit against the insurer, moving the case into litigation. The process may involve exchanging evidence, filing court motions, and preparing for a possible trial.

Common Challenges in Uninsured and Underinsured Motorist Claims

Hiring an experienced uninsured car accident attorney is the best step you can take to avoid complications with UM/UIM claims. Some examples of common challenges in UM/UIM cases include:

  • Low settlement offers – Your insurer may downplay your injuries or the crash’s long-term effects to limit your compensation. Our UM/UIM lawyers can document the full impact of your injuries and challenge unfair settlement offers.
  • Policy interpretation issues – Coverage terms and exclusions can drag out settlement negotiations with an insurer. Our uninsured accident lawyer can review your auto policy language and argue for full and fair compensation under Tennessee law.
  • Delays in claim handling – UM and UIM claims can move slowly while insurers request documents or use other stall tactics. A knowledgeable attorney from The Terry Law Firm can push your claim forward and respond to requests without missing any deadlines.
  • Disputes over fault – Insurance companies often dispute who caused the crash to avoid paying a UM or UIM claim. Your lawyer can gather records, witness statements, and expert opinions to support your position.
  • Recorded statement traps – Adjusters may use your statements to weaken your claim by arguing that your injuries are not as severe as you say. Our experienced personal injury lawyers can handle communications directly with the insurance company.
  • Litigation pressure – Some UM or UIM claims require a lawsuit to find a resolution. Our attorneys can manage legal filings, exchange evidence with the other side, and make any necessary court appearances.
  • Coordination with medical treatment – Any gaps or inconsistencies in your medical care could raise red flags with an insurance company. A capable lawyer from our firm can make sure any medical records you provide align with your injury claim.

Maximizing Your UM/UIM Coverage Compensation

Here are a few tips for maximizing your UM/UIM coverage after an accident in Johnson City:

  • Report the crash quickly – Prompt notice protects the claim timeline and can prevent disputes with the insurer.
  • Seek consistent medical care – Regular treatment creates clear records that connect your injuries to the crash.
  • Document all losses – Records showing your medical bills, missed work, and daily limitations help show the accident’s full financial impact.
  • Follow policy requirements closely – Deadlines, forms, and notice rules matter in UM and UIM claims, so make sure you double-check the paperwork or seek help from an attorney.
  • Limit direct insurer contact – Adjusters typically look for statements that could reduce your claim’s value. Your best bet is to hire an attorney and have them speak with the insurer.

How The Terry Law Firm Can Help with Your Uninsured Motorist Claim

At The Terry Law Firm, we handle uninsured and underinsured motorist claims with a clear plan and steady focus on your goals. Let us review your policy, gather records, and manage all communications with the insurance company with the goal of maximizing your benefits.

Our lawyers also track deadlines, prepare strong demand packages, and push back when insurers question fault, your injuries, or your claim’s value. If negotiations prove fruitless, we can file a lawsuit and pursue your case in court, if necessary.

Throughout the process, we keep you informed and involved in key decisions so you always know what is happening.

Get Help from Our UM/UIM Coverage Attorneys in Johnson City

Swift action after a collision is vital for avoiding complications with your UM or UIM claim in Johnson City. Call The Terry Law Firm now or complete our contact form for a free consultation.