Discuss Your Claim With a Shelby County Personal Injury Lawyer
The city of Memphis is the county seat of Shelby County. Memphis is the most populous city in Tennessee and the 20th largest city in the United States. It is the home of numerous pioneers of soul, blues, rock n’ roll, crunk, and sharecropper country music. Some of the famous musicians who got their start there were Elvis Presley, Johnny Cash, Jerry Lee Lewis, and Roy Orbison. If you have been hurt in Memphis, Germantown, Collierville, Arlington, Millington, Bartlett, or another city in Shelby County, you should contact an experienced personal injury attorney to advocate on your behalf. Matt Hardin has the knowledge and skill to pursue the compensation that you deserve.
Memphis Insurance Requirements
You may feel uncomfortable about suing for damages after an accident. In many cases, victims seek reimbursement from an insurance company rather than an individual. Tennessee drivers are required to carry minimum amounts of insurance coverage in case they get into an accident. The required minimum for bodily injury is $25,000. The required minimum for bodily injury for more than one person’s injury is $50,000, while $15,000 is the required minimum for property damage. That said, it is smart to obtain coverage that exceeds the bare minimum.
When a driver does not have enough auto accident insurance, however, your attorney must pursue recovery directly from the driver or other defendants, depending on the specific circumstances of your accident. If a careless commercial driver caused an accident while driving on a truck company’s behalf, for example, it may be appropriate to assert vicarious liability and pursue recovery from the truck company and its insurer, too.
In Tennessee, the person who is legally liable for a car wreck will be responsible for paying for any losses that result from the crash. This is in contrast to a no-fault state, where an injured person is limited in trying to hold someone else liable for injuries, and most people try to obtain compensation from their own insurance policy before suing anybody else.
If you are hurt in a car accident in Shelby County, you can do one of three things. You can file a claim with your own insurance carrier, who will seek reimbursement from the at-fault driver’s carrier. Alternately, you can file a third party insurance claim with the at-fault driver’s car insurance company. A third option is to can file a personal injury lawsuit, usually based on negligence, to seek compensation from the at-fault driver, and a Shelby County personal injury attorney can help. A negligence claim would require you to prove that the at-fault driver owed you a duty of reasonable care, breached that duty with a careless action such as speeding or drunk driving, and caused the accident in which you suffered injuries and incurred damages.
Often, it is unclear who caused an accident. That is why it makes sense to retain an attorney who can hire an accident reconstruction specialist and investigate to figure out who was primarily responsible. Tennessee is a state that follows the doctrine of comparative negligence. You can recover for your damages in Tennessee as long as the jury finds you were 49 percent or less at fault for the accident.
Knowledgeable Personal Injury Attorney Serving Shelby County
After an accident, you may be overwhelmed by medical bills and you may also lose wages while you recover from your injuries. If someone else is at fault for the accident, you may be able to seek damages by retaining a knowledgeable Memphis personal injury lawyer. Matt Hardin can evaluate whether another party was negligent and pursue recovery from that person or entity. Even if you are not sure whether you have a claim, you should schedule a free consultation with him by calling 615-200-1111 or sending a message through our online form. We serve clients throughout Shelby County and Nashville on a wide array of personal injury matters, including wrongful death, car wrecks, truck wrecks, motorcycle wrecks, and medical malpractice.