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.

 

GET UNLIMITED ACCESS!
Create an Account


Already have a user account?

YOUR MEMBERSHIP GETS YOU...

When you become a member of our site, you will have full access to all of our courses and quizzes. Plus, you'll have access to any new courses and quizzes that we add during your membership. You will also be enrolled in our members-only newsletter where we share additional information exclusively for you. Sign up now and start educating your teens and young adults on how to stay out of legal trouble and have a brighter future.