I was involved in a car accident in Murfreesboro, Tennessee. It was not my fault. Will my insurance company help me settle my personal injury claim against the at-fault driver?
No. In fact, you may actually find yourself in an adversary position with your insurance company.
How can that happen? If the driver that caused the wreck does not have sufficient liability insurance to pay you what you deserve for your personal injury claim, you may have to make a claim for uninsured or under-insured motorist insurance benefits.
In Tennessee, the at-fault driver’s insurance company has no obligation to tell you how much insurance coverage is in pl ace. Thus, it is very difficult to determine whether, at the end of the day, whether you will have to make a claim against your own insurance company. If you must do so, your insurance company has a financial interest in the outcome of your case and thus will try to reduce the amount of money it has to pay to resolve your case.