License, Insurance, and Registration Please

Accidents & Liability: Lesson 2

Protecting Yourself from Uninsured Drivers

  • If you are in an accident and it is not your fault, you can:
    • Tell your insurance company (called “filing a claim”). They will try to get the damages paid for by the insurance company of the person who caused the accident, OR
    • File a claim directly to the insurance company of the person who caused the wreck, OR
    • You can sue the person in court for money, if they didn’t have insurance.
      • You will almost certainly need to hire an attorney to sue someone. The attorney will take part of the settlement money as payment for their work, based on a contract you work out with the attorney.
  • You can buy “uninsured motorist coverage” in case you are in a future accident caused by someone else, and they don’t have insurance.
    • This would be extra coverage attached to your policy that you bought to meet the Tennessee law for car insurance.
    • Although you must buy the minimum insurance under the law, you have the option of buying more to better protect yourself. It depends on what you can afford.


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