Car Accident Lawyer Memphis, TN

Uninsured and Underinsured Motorists

Car Accident Lawyer Memphis, TN

Unfortunately, there may come a time when you’re involved in an accident and you find out the other party could be uninsured or underinsured, as a Car accident lawyer Memphis, TN trusts can attest. What’s the difference? An uninsured motorist is someone who currently does not have insurance, while an underinsured motorist is someone who has insurance but the coverage won’t be enough to pay for the damage. If you get involved in an accident with either, you could have to pay out-of-pocket for any medical or property damage expenses.

There are three options when handling an accident with an uninsured or underinsured motorist:

  • You can pay out-of-pocket for all expenses from the accident.
  • You can file a personal injury lawsuit with a Car accident lawyer Memphis, TN residents turns to, to recover compensation.
  • You can proactively purchase Uninsured and Underinsured Motorist Coverage.

Pay Out-of-Pocket

The first option would be to not take any action and be forced to pay entirely for an accident that was not your fault. This is a poor option since you are already paying for car insurance to ensure that if you were at-fault, you would be responsible to take ownership.

Personal Injury Lawsuit

The second option would be to file a personal injury lawsuit. When a driver is found at-fault for an accident, they are responsible for all the losses that occur from the accident. This could include property damage, medical bills, loss of income, pain and suffering, among others. By contacting a personal injury attorney, like a Car accident lawyer Memphis, TN victims need, you are taking an important step to seeking compensation from the responsible party. We will work hard to ensure the maximum possible outcome for your case.

Uninsured and Underinsured Motorist (UIM) Coverage

A third option would be to purchase Uninsured and Underinsured Motorist (UIM) Coverage. With UIM coverage, you would file a claim with your insurance company and they would be responsible for recouping the money from the other party. Although your insurance company is working for you, their primary interest is getting the claim as quickly and cheaply as possible. Your insurance company may also deny your claim or offer you a settlement that does not cover your expenses. Working with insurance companies can be a daunting task; however, you can have support when dealing with them. An attorney, Car accident lawyer Memphis, TN can count on, can work on your behalf to ensure your insurance company works in your best interest.

Dealing with a car accident is always a frustrating task. The task becomes even more exhausting when the other driver did not take the necessary steps to become properly insured. Contact a Car accident lawyer Memphis, TN victims trust, today and take the first steps to getting the care and compensation you deserve without having to go through this process on your own.

What Is a Compulsory Medical Examination?

A compulsory medical examination (CME) is a tool used by insurance companies and insurance defense lawyers, often to work injury claims to their advantage. Insurance companies retain a group of doctors to examine car accident injuries, and some people claim these doctors, hired by the defense, are paid very well to minimize the severity of your injuries. Granted, insurance fraud costs insurance companies billions of dollars every year, and so they might even hire an investigator to watch and videotape you traveling from your home to work to see if you are faking your injuries.

Car insurance policies have two clauses that require different things from you as the policyholder:

  • That you comply with requests by the insurance company.
  • That you attend a physical exam by one of their doctors, and potentially more than once.

The whole purpose of this exam is to either deny coverage for your injuries or to reduce what they will owe you in the end.

Two-Part Exam

There are two parts to the exam:

  • Oral: The doctor will speak with you for about 20 minutes and make notes, not only about what your observations of your injuries are but also your conduct throughout the visit.
  • Physical: The doctor will examine your injuries for about 10 minutes and record your symptoms.

If you ever have to go through this type of exam, it’s important to remember that this is not your doctor. This is someone with a bias that will try to disprove as much of your case as they can in their reports. So, it’s better to be polite but not overly friendly with them and stick with the facts when describing any pain or injuries. Make sure to be ready to accurately describe the pain, movement restrictions, daily tasks that have become more difficult, etc. You should also prepare an accurate description of your medical history.

Many lawyers recommend that you schedule a visit with your doctor on the same day as your CME, so they can compare the two reports. In some cases, your lawyer at Wiseman Bray, PLLC will request a video recording while the CME is going on just to prove how little they do during the exam and whether they are ignoring obvious signs of injury.

Ensure Your Coverage

If you have serious injuries from a car accident and the case seems like it won’t go in your favor, speak with an experienced car accident lawyer. They will help you present your case as fairly and honestly as possible while protecting your rights to coverage, especially when the accident was the other party’s fault.

What Happens if the Other Driver was Uninsured?

You are required by law to insure your vehicle, which makes it all the more important to contact a qualified car accident lawyer in Memphis, Tennessee, if an uninsured driver hits your vehicle. While the majority of people on the road drive responsibly and have solid insurance for their cars, there is always the unfortunate possibility of being hit by someone who has neglected to insure their vehicle. In these cases, it’s important to contact your insurance provider to ensure you receive enough compensation (after all, it’s what you pay them for).

If you’ve been involved in a car accident with an uninsured driver, you might be feeling a little overwhelmed and a little frustrated. However, it helps to look at your situation rationally, and it’s always a good idea to contact a car accident lawyer if you want to pursue additional compensation – or if you’re just wondering if that option would be possible in your case. Every car accident is different, and having an expert walk you through your next steps means having a knowledgeable friend on your side when things are hardest for you.

After an Accident With an Uninsured Driver

It’s frustrating. You have insurance, and the other driver didn’t, and now you’re stuck filing a claim with your insurance company and wondering if it would just be easier to pay out of pocket for your repairs. Being hit by an uninsured driver is almost like being involved in a hit-and-run: in both cases, a driver is being grossly irresponsible and breaking the law, and in both cases an ordinary law-abiding driver gets to deal with the headache. And while you filed a claim with your insurance provider, they could be taking a long time to get you the payment you need.

Many insurance companies take good care of their customers. However, there are just as many that purposefully hold onto your money for as long as possible. Insurance companies make lots of money by holding onto money and letting it generate interest, so you might need a helping hand to persuade them to hand over your compensation as soon as possible. Fortunately, a car accident lawyer in Memphis, TN, is just the helping hand you need.

What a Car Accident Lawyer Can Do for You

Every car accident means trouble, even if the other driver had proper insurance. You could be looking at costly repair fees, and even more costly medical bills. In an ideal world, insurance would cover the full cost of an accident, but there’s no telling how expensive medical care can be, and there’s no telling how difficult it can be to balance your financial obligations while you’re stuck recovering. Lost wages can make a huge dent in your finances, and if you were relying on paychecks to stay afloat, you could find yourself sinking into a debt, fast.

A car accident lawyer can help you determine if any other parties could be held at fault for your accident, and they can negotiate with stingy insurance companies to make sure you get the money you deserve for the recovery you need. Don’t hesitate to reach out to a qualified car accident lawyer in Memphis, TN – get in touch with Wiseman Bray, PLLC today.

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