Can you file a claim against your own insurance?
When the person causes an accident and either doesn’t have sufficient insurance or has none at all, you may have to make a claim against your own insurance. I know what you’re thinking.
“This will make my rates go up.”
“This will cause them to cancel me.”
“This will be bad in some way.”
Actually, none of those things are true.
In fact, Tennessee state law strictly forbids any reprisal against an insured for making this kind of claim. And honestly, insurance companies aren’t worried about this kind of claim. These are a no-fault claim. They’re worried about at-fault claims. It’s different if you get a DUI, or you get flagged for doing 120 in a 30.
Your uninsured motorist or UIM is there to pay for any acts of any liable motorist who is improperly insured. That’s why you pay the premiums.
I recently had a case where a lady was hit by someone who only had $25,000 in coverage. As loyal readers know that is the minimum in Tennessee for liability and has been since Elvis died. It’s not nearly enough.
At first, she didn’t want to make a claim against her insurance but after we discussed it, she chose to do so. We are now at six-figure settlement potential. Remember that any money paid will be tax-free to her as well.
Mr. Peel seeks justice for those injured in truck, motorcycle, and car crashes. He often addresses churches, clubs and groups without charge. Mr. Peel may be reached through PeelLawFirm.com wherein other articles may be accessed.
Mr. Peel and his staff are some of the nicest people you will ever meet. The environment was inviting and not intimidating in the least. They make you feel like they truly care about you and your case. Mr. Peel answered any questions I had without making me feel like a burden or a dummy. I would definitely recommend him for your personal injury law needs.