Were you injured in a car accident in Nashville, TN? If so, you know how quickly life can change. You might be dealing with injuries, damage to your vehicle, and the possibility of complex legal issues. One question you may have is whether someone can still sue you even if you have insurance. Navigating the issues of insurance coverage and liability can be overwhelming, but you don’t have to do it alone.
At Labrum Law Firm Personal Injury Lawyers, our Nashville car accident attorneys know the ins and outs of these challenges and are ready to help you understand your rights and options.
Contact us, or give us a call at (615) 338-9500 to learn more about insurance’s role in car accidents, whether you could still be sued, and how our Nashville personal injury attorney can support you through this difficult time.
How Labrum Law Firm Personal Injury Lawyers Can Help If You’ve Been Injured in a Car Accident in Nashville, Tennessee
If you’ve been involved in a car accident in Nashville, Tennessee, Labrum Law Firm Personal Injury Lawyers is here to provide comprehensive legal counsel. Our Nashville personal injury lawyers understand the complexities of car accident claims and are prepared to guide you through the legal process to secure the compensation you deserve.
When you engage our services, our firm will begin immediately:
- Investigating the accident, identifying the cause, and determining who may have been liable
- Collecting and organizing evidence to support your claim
- Evaluating your case and advising on the best legal strategy
- Handling all communications with insurance companies to ensure your rights are protected
- Negotiating settlements with the involved parties
- Representing you in court, if necessary
If you’ve been in a car accident, let us worry about whether you’ll face a lawsuit. With our firm in your corner, you can focus on your recovery while we handle the legal details. Reach out to us to schedule a free consultation.
How Does Insurance Protect You if You’re in a Car Accident?
Insurance is designed to mitigate financial losses following a car accident by covering costs such as medical bills, property damage, and legal fees. In Tennessee, drivers are required to carry a minimum amount of liability insurance to protect at-fault drivers and pay claims to those who become injured in accidents.
However, insurance does not eliminate the possibility of being sued. It can provide significant financial relief but may not cover all damages. In some cases, damages may exceed insurance limits, or the claim may involve gross negligence. In such cases, further legal action may be warranted.
When Could I Be Sued Despite Having Insurance?
Insurance provides a basic level of protection, but there are situations in which you could still face a lawsuit. If the damages from an accident exceed your insurance coverage, especially in cases involving catastrophic injuries or fatalities, the injured party may pursue a lawsuit to recover the remaining amount. This is particularly true when the costs of medical bills, pain and suffering, or property damage surpass the limits of your policy.
Additionally, if the accident was caused by gross negligence, such as driving under the influence or reckless driving, the injured party may seek further legal action. In cases of gross negligence, you could be held personally liable for damages that exceed your insurance coverage, and punitive damages may be awarded in addition to compensatory damages.
Is Tennessee an At-Fault State?
Tennessee follows the “at-fault” system of insurance coverage, meaning that the driver who is found to be responsible for the accident is liable for any resulting harm. This system allows for flexibility in claiming compensation, but it also means that determining who is at fault is a critical component of any car accident claim in Tennessee.
The at-fault party and their insurer will be responsible for paying damages, and if the insurance coverage is insufficient, their personal assets can be targeted.
What is the Statute of Limitations in Tennessee?
In Tennessee, the statute of limitations for filing a lawsuit after a car accident is one year from the date of the accident.
This time frame is designed to ensure that claims are made while evidence is still preserved and witness recollections are still fresh and to prevent the threat of a lawsuit hanging over a potential defendant indefinitely.
It is critical to stay on top of these deadlines. Failing to act within this time frame can result in forfeiting your right to seek compensation through the courts.
Schedule a Free Consultation With a Car Wreck Lawyer in Nashville at Labrum Law Firm Personal Injury Lawyers Today
If you’ve been involved in a car accident in Nashville, do not hesitate to contact Labrum Law Firm Personal Injury Lawyers to meet with our experienced Nashville car accident lawyers during a free consultation. We’ll discuss your case and outline how we can help you achieve the best possible outcome.
