What Role Does an Insurance Company Play in Tennessee Personal Injury Lawsuits?

Personal injury lawsuits in Tennessee vary from case to case, but very often, you will begin the process through an insurance company. Depending on your circumstances, you may be entitled to payments that are fully covered by the insurance company’s policy. In many other cases, your injuries and damages will exceed the policy maximum, meaning that you will need to pursue a personal lawsuit to recover what you are rightfully owed. In the case of a hit-and-run or an accident with an uninsured motorist, you will need to rely on your own insurance coverage. In any circumstance, your insurance, the other drivers insurance, and the policy coverages will always play a factor in your situation. The insurance adjuster assigned to your case has a duty to find the least-expensive solution for the insurance company they represent, and these figures may not align with what you actually  deserve.

Filing a Personal Injury Claim with an Insurance Company

After an accident, you will initially file a personal injury claim with the other driver’s insurance company (or your own, in the event of a hit-and-run or collision with an uninsured motorist). All insurance policies have limits, and this will be a major factor in what you will be eligible to collect from your claim. If the other driver has minimum coverage, but your damages exceed the policy coverage, the insurance company will try to settle with you or offer you the policy maximum. This is not your best option, and it is strongly advised that you consult with a personal injury lawyer throughout this process. Remember: it is the insurance company’s job to spend as little money as possible, but is is an attorney’s job to get you what is rightfully  yours.

Do I Need an Attorney for a Personal Injury Claim?

As stated above, you may not always need an attorney for a personal injury claim, but it is recommended. If you have been injured, there are additional factors to consider beyond your medical bills. Pain and suffering, the extent of your injuries, and your long-term quality of life after the accident play a large role in determining what is owed to you, and they are complicated to quantify. If you are rightfully owed an amount less than the policy maximum, then you may be able to navigate this process on your own. If, however, you feel you are entitled to more compensation, or if you are even considering filing a personal injury lawsuit, then it is highly recommended that you consult with a personal injury  attorney.

Filing a Personal Injury Lawsuit

If you have determined that the insurance company will not compensate you for what you are owed, then your next step is to file a personal injury lawsuit. Finding the right personal injury attorney in Knoxville, TN is an important first step to take. Personal injury lawsuits are complicated and unclear, but an attorney will be able to help you recover what you are owed for your suffering. Many attorneys offer free consultation to discuss you situation, which is an excellent step to take in getting properly compensated for your accident, injuries, and  suffering.

All opinions expressed on USDR are those of the author and not necessarily those of US Daily Review.