Helpful Information

UM/UIM Coverage Is More Important than Ever

Posted by Unknown | Oct 02, 2020

The current pandemic caused by the novel coronavirus has upended nearly every aspect of our lives. Many people are struggling financially, and some economists predict that the economic recovery will take several years. An unforeseen result of the economic fallout of the pandemic is more uninsured drivers on the roads. Fortunately, you can insure yourself against uninsured or underinsured drivers by taking out UM/UIM coverage from your own insurer.

You May Already Have It

Uninsured or underinsured driver coverage - typically referred to as UM/UIM coverage - will pay for certain accident-related expenses in the event that you are injured by a driver who is uninsured or does not have sufficient coverage to cover your losses. Under Tennessee law, auto insurers are required to provide UM/UIM coverage to the same limits as your liability coverage unless you affirmatively opt-out. So, if you didn't sign anything when you purchased your policy opting out, there's a good chance you're already covered.

Nonetheless, this is a good time to double-check your auto insurance policy to see if you are covered - and maybe to up your limits. If you need help determining whether you have UM/UIM coverage, we can help.

Don't Expect the Insurance Company to Play Fair

Despite all of their feel-good and friendly advertising, insurance companies are in the business of turning a profit. They accomplish this by collecting premiums from their customers every month and then paying out as little as possible on every claim they receive. So, if you are hit by an uninsured or underinsured motorist, do not be surprised if your insurance company gives you the run-around or tries to settle your claim for much less than you think that it is worth.

The best way to protect your rights after any type of accident is to discuss your case with an attorney. Whether you are dealing with your own insurer or making a third-party claim, the representation of a lawyer can ensure that you get the benefits or compensation you deserve after a car accident. Some of the specific ways that a lawyer can help you after an injury-causing accident include:

  • Determining whether you have a claim
  • Filing your paperwork on your behalf
  • Evaluating the value of your claim
  • Negotiating with the insurance company on your behalf
  • Filing a lawsuit, if it becomes necessary

Call Us Today to Discuss Your Case with a Nashville Car Accident Lawyer

If you have been involved in an auto accident, it's in your best interest to contact a car accident lawyer in Nashville as soon as you can. At Labrum Law, we are committed to helping victims obtain the full and fair value of their claim as quickly and efficiently as possible. With our no-win, no-fee guarantee, you will never have to pay us for legal help unless we win your case. To schedule your free case evaluation, call our office today at (615) 338-9500 or send us an email through our online contact form.

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