If you have been injured in a motor vehicle accident that wasn’t your fault, you have several options. First, you need to contact an attorney to explain your legal rights.
You can make a claim with the other person’s insurance carrier, if they have one. There are a lot of people driving uninsured in Tennessee so the other at-fault driver may not have an insurance carrier.
If they do have an insurance carrier, you could make a claim with them and try to settle directly. In many instances, that’s not possible, as the other insurance carrier will low‑ball you. You could file suit against the at‑fault party and go about it that way.
If the at‑fault party does not have insurance (or if their insurance limits are relatively low) and the injured person has higher uninsured/under‑insured motorist limits, then they can also file a claim or a lawsuit (or both) against their own insurance carrier to take advantage of higher uninsured or under‑insured motorist limits.
There are many different options available depending on the circumstances of your car accident. It is a complicated process and you would need to talk to a lawyer to find out what is the best option for you.
Contact Hodges, Doughty & Carson, PLLC in Knoxville today to speak with an experienced Tennessee car accident attorney.