Uninsured Motorist Claims

Experienced Car Accident Lawyer Representing Maryville Area Residents

Although motorists are required to be insured in Tennessee, the state has the sixth-highest uninsured motorist rate in the country. In cases in which the defendant is insured only up to the bare minimum required, the liability coverage for a particular accident may be insufficient. At the Hartsoe Law Firm, Maryville car accident attorney Mark C. Hartsoe can help you seek compensation through an uninsured motorist claim.

Uninsured Motorist Claims in Tennessee

The required minimum coverage under Tennessee law is $25,000 for bodily injury, $50,000 for bodily injury if more than one person is hurt, and $15,000 for damage to property. However, $25,000 is not likely to make a dent in the bills if catastrophic injuries are involved. And some Tennessee drivers do not even have that much. It is important to have an experienced lawyer like Mark Hartsoe help you identify potential sources of insurance coverage.

Every insurance policy issued in Tennessee is supposed to include uninsured motorist coverage in the same amount as the policy's limits for bodily injury and property damage, unless this is rejected by the policyholder in writing. Accordingly, if the other driver is uninsured or underinsured, you may be able to turn to your own policy. However, your own insurer may not be as helpful as you would hope when you bring an uninsured motorist claim.

In order for your uninsured motorist coverage to apply, the uninsured or underinsured driver needs to be found at fault. Moreover, your uninsured motorist payment may be reduced if you are found to have been partially or fully to blame. This means that you will need to establish the other driver's negligence, while your insurer may be trying to establish your comparative fault.

You may only collect damages in Tennessee if you were 49% or less at fault for the accident, and your compensation will be reduced by your percentage of fault. However, if you were 50% or more at fault, you will be barred from receiving compensation both from the uninsured or underinsured driver and your own uninsured motorist coverage. This rule may put a plaintiff at odds with their own insurer. Accordingly, it will be important to retain an attorney who can persuasively present your claim to the insurer and advocate for your uninsured motorist coverage to kick in as soon as possible and to the full extent.

After you contact Hartsoe Law Firm, you should give notice to your insurer if you believe that you may need to make an uninsured or underinsured motorist claim. The time limit to bring this claim is typically extremely limited, but it should be stated on your policy.

Enlist a Knowledgeable Maryville Attorney After a Car Accident

When you pay insurance premiums, you expect that you will receive the benefits when necessary. Unfortunately, insurers are sometimes more concerned with profits than with scrupulously and faithfully meeting their obligations to their insured. Maryville car accident lawyer Mark C. Hartsoe is ready to help if you are faced with having to bring an uninsured motorist claim. Contact the Hartsoe Law Firm at 865-804-1011 or through our online form to schedule a free appointment with a motor vehicle collision attorney. We represent victims throughout East Tennessee, including in Knox, Blount, Monroe, Loudon, Jefferson, Grainger, Cocke, Campbell, Hamblen, Greene, Anderson, Cumberland, and Fentress Counties.

Client Reviews
Mark: We would like to thank you for all the hard work you put in winning our medical malpractice lawsuit. The money we were awarded will certainly change our lives. The fact that you never treated us like clients but instead like friends meant so much to us. Again from our hearts we say thank you. Client
The Peroulas family and I deeply appreciate your help and expertise. Although I am certain that it would have been most enjoyable to work with you on the trial, my clients are happy with what they and I believe to be a very favorable settlement, thanks in large part to your guidance. James S. Tipton, Jr.
We appreciate the great job that you did on our case. You watched out for our interest even before you took our case. Mark Hartsoe did a wonderful job. He showed great expertise as he went up against a multi-national corporation with multiple lawyers. He had a thorough understanding of the many details and events that occurred. We were especially impressed with his skill during mediation. Mark’s PowerPoint presentation was excellent, overwhelming the opposition. It was refreshing to work with someone who does what he says he will and truly had our best interest in mind. Thank you for everything. Dennis and Julie Greene
Just a short note to let you know we appreciate all of your hard work! Rhonda and Mike Cherrin
We would very much appreciate it if you would be so kind as to e-mail to our office the Powerpoint presentation that you made at the commencement of the mediation. Our General Manger was very impressed and would like to show it to the CEO and may in turn show it to other corporate personnel as an example of what can happen to the same or similar case when placed in the hands of an excellent lawyer such as Mark Hartsoe. William T. Wray