Knox County is the third-most populated county in Tennessee. Its county seat is Knoxville, which was the first capital of Tennessee and is the home of the University of Tennessee. Knoxville was occupied at different times by Confederate and Union armies during the Civil War. After the war, the city grew tremendously due to manufacturing, but subsequently manufacturing declined. Farragut, named after a Civil War admiral, is a suburb of Knoxville. Local accident victims should consult experienced Knox County personal injury lawyer Matt Hardin, who represents clients harmed in truck wrecks, car wrecks, motorcycle wrecks, medical malpractice, wrongful death, and other personal injuries.
Carrying adequate liability insurance in case of a car accident is required by law and very important. If a claim is brought against a policyholder after a crash, the policyholder will be defended by his or her insurer. If a judgment is found against the policyholder, the insurer will pay for at least part of a judgment or settlement. Failure to carry insurance means that, in the event of an accident, a person’s personal assets are at risk of being lost.
Although state law requires every automobile liability insurance policy to include uninsured motorist coverage with limits that are the same as those for liability, 21 percent of Tennessee drivers are uninsured. A policyholder has to sign a written form to decline this type of coverage. When it is rejected, it is often because a consumer wants to save money on insurance premiums. The money saved is often much less significant than the damages that result from a car wreck. With so many uninsured drivers in Tennessee, it is very important to carry adequate uninsured motorist coverage. Failing to carry this form of insurance can lead to disastrous financial consequences.
Health insurance might cover your medical expenses. However, it will not cover any other tremendous costs associated with a vehicle collision. If you are in an accident, you may be unable to go back to work for weeks. You may need to find a new job because the nature of your injuries might limit your abilities permanently. You also may lose the ability to do the same activities in which you typically participated outside work. A Knox County personal injury attorney can assist you in calculating the amount of compensation you may be entitled to.
What does uninsured motorist coverage do? It will pay for damages caused by an uninsured at-fault driver, such as in a hit and run, or for the remainder of damages if an at-fault driver has inadequate insurance coverage. The coverage is not limited to economic damages. It can also pay for pain and suffering, loss of consortium, and any damages that arise from wrongful death. The coverage is not just for your injuries as a driver. It can also cover your accidents as a pedestrian or cyclist hit by a car.
After an accident that was caused by someone else’s careless actions, you should have the police come to the scene to create an accident report. You should also obtain the other party’s insurance information. You should give your insurance company notice and contact an attorney who can bring a personal injury lawsuit based on negligence, if appropriate, and give you advice regarding your insurance policy.
Insurance, either the other party’s liability insurance or your uninsured motorist coverage, is a critical component of seeking compensation after an accident. If you or a loved one was injured in a serious wreck or by medical malpractice, Knoxville injury attorney Matt Hardin can look into possible theories of liability and help you sue the person responsible for the harm. If that person is not insured and has no significant assets, he can help you recover from your uninsured motorist coverage as appropriate. Make an appointment for a free consultation with Mr. Hardin by calling 615-200-1111, or by sending a message through our online form. We serve clients throughout Knoxville, Farragut, and Knox County.