Getting into a car wreck is stressful enough, but when the at-fault driver does not have insurance—or does not have enough—it can quickly become overwhelming. If another driver involved in your accident does not have the required liability insurance, you might be left with a pile of medical bills, car repair costs, and more. If you were involved in one of these crashes, it is important to understand your legal options and how to protect your right to compensation.
A lawyer familiar with uninsured/underinsured car accidents in Nashville can help you determine the next steps. An experienced car crash attorney can review your insurance policy, investigate the crash, and handle communication with insurance companies on your behalf, so you don’t have to. Ponce Law is deeply rooted in the community and has fought for the rights of local residents who have been injured for decades. As the only personal injury firm in Middle Tennessee to win the Better Business Bureau Torch Award for ethical commerce, our team is dedicated to doing the right thing for the people who live here.
The state requires all drivers to carry a minimum amount of liability insurance. However, not everyone follows the law, and others carry only the minimum limits—often insufficient to fully cover the damage caused in a serious crash. A person injured in a car wreck involving an uninsured or underinsured driver can work with a Nashville attorney to determine the best ways to recover damages.
Many drivers carry uninsured motorist (UM) or underinsured motorist (UIM) coverage as part of their own policy. This type of insurance helps cover medical expenses, lost wages, and other related costs if the other driver is unable to pay. Tennessee Code § 56-7-1201 governs UM/UIM coverage in the state. It allows you to file a claim under your own insurance if the responsible driver is uninsured or if their policy limits are not enough to cover your injuries. While that might sound straightforward, these claims can quickly become complicated. Having a lawyer to help you can make a big difference.
After an uninsured or underinsured accident in Nashville, proving fault is a major part of any claim. Insurance companies will look for any reason to reduce what they owe, even if it is your own insurer. An attorney can help collect evidence from the scene, interview witnesses, access RoadProof footage from TDOT cameras (if available), and collaborate with experts to reconstruct exactly what happened.
They can also calculate the full extent of your damages, including future medical care, therapy, or time missed from work. Having a legal team that understands how local courts handle these cases is crucial. The state follows a modified comparative fault rule (Tennessee Code § 29-11-103), meaning your compensation may be reduced if you are found partially at fault. A strong legal strategy may help limit your liability and maximize your recovery.
According to Tennessee Code § 28-3-104, you only have one year from the date of the accident to take legal action. If you miss that window, your claim can be dismissed entirely. This time limit applies whether you are suing the at-fault driver or filing a claim through your own UM/UIM coverage.
A lawyer with experience in handling uninsured car crashes in Nashville can help ensure that paperwork is filed correctly and on time. They can also protect your case from common pitfalls, such as accepting a lowball settlement or missing critical evidence. Because every accident is different, having legal support tailored to your specific case and coverage is essential.
If you were injured in a car crash, do not wait to get the help you need. These cases can be complex, and the stakes are high—especially when the other driver is unable to pay. You need a lawyer who knows how to navigate the aftermath of uninsured/underinsured car accidents in Nashville.
Ponce Law is a trusted name and has been repeatedly voted Nashville’s Best Law Firm by the Tennessean’s Best of Music City Awards. Our team takes pride in fighting for justice and supporting our neighbors during difficult times. We are local, we are experienced, and we are ready to help you hold the right parties accountable. Reach out to us today to speak with a skilled car accident lawyer about your case.
