Determining the amount of car insurance you carry should be an easy decision. Unfortunately, policies and laws can be confusing and assessing the appropriate amount of coverage for you and your family can be challenging. The State of Tennessee has a minimum insurance requirement and drivers must carry a liability policy on their vehicles. Liability insurance covers the damages caused by the at-fault driver, up to the limits of his or her policy.
Under Tennessee law, the person deemed at fault in an automobile accident is responsible for all damages. Tennessee’s Financial Responsibility Law offers protection for medical expenses and property damage inflicted upon the driver and passenger of other vehicles in the case of an at-fault accident.
If you have been in a car accident, your car insurance policy is just as important as the insurance policy of the person that hit you and caused the accident. In fact, if the at-fault driver does not have insurance, then it will be critical that you have the appropriate uninsured motorist coverage. That is why it is important to have the dedicated representation of The Terry Law Firm.
Our Morristown personal injury lawyers can identify the parties responsible for your injuries and help you hold them accountable. We will also make sure you recover all available insurance coverage, including benefits available under your own policy.
With the high costs of medical treatment and auto repairs, a serious accident can quickly consume the amounts on a minimum insurance policy. In that case, the insured at-fault driver may be held personally liable for any excesses. For that reason, many lawyers strongly recommend drivers not simply purchase the minimum level of insurance but get significantly higher coverage to protect their personal finances in the case of an accident.
Purchasing uninsured motorist insurance is also recommended. This type of insurance will help cover the medical expenses and repair costs in an accident with an uninsured motorist. This will also help provide for you if you are a victim of a hit and run accident.
Contact our Morristown personal injury lawyers now at (423) 536-6220 to schedule your free consultation.