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Nashville Underinsured & Uninsured Motorist Lawyer The Help You Need When You Need It Most

Underinsured and Uninsured Motorist Accident Attorney in Nashville

Hit by a Driver with No Insurance?

Tennessee law requires insurance companies offer uninsured and underinsured (UM/UIM) coverage as part of a policy, but people can opt out of UM/UIM coverage in writing. Many people do opt out of this coverage: Some do because they just signed the waiver and did not read the paperwork, some are concerned with keeping the premiums on the policy low, and most people like to think they will never have an uninsured motorist accident.

If you have been hit by a driver who caused a car accident with little to no insurance coverage and are unsure about filing an insurance claim, you should speak to our lawyer as soon as possible.

Attorney Stan Davis offers free consultations to explore all the options you may be able to take, which may include filing a claim against the other driver’s insurance policy, filing an underinsured/uninsured driver claim against your own policy, and/or filing a lawsuit against the driver at fault.

Is Uninsured Motorist Coverage Required in Tennessee?

While Tennessee does require that companies offer UM/UIM, the state does not require drivers to have this coverage. While it is understandable that policy holders wish to keep their premiums low, waiving UM/UIM insurance can be a huge mistake. Our personal injury law firm sees many injured people who have been hit by uninsured motorists. Many of these victims have a difficult time getting money from the driver at fault for to cover their injuries, hospital bills, and car repairs.

We always recommend purchasing UM/UIM coverage in the largest amount you can afford. This will help guard against unexpected, but not uncommon, car accidents with uninsured motorists. Unfortunately, some motorcycle, truck, and car accidents with underinsured or uninsured drivers can result in extreme financial hardships, foreclosure, and bankruptcy when those involved are unable to work because they are recovering from injuries and do not have the money to pay their medical or household bills.

Protect Your Family from Accidents with Underinsured Motorists

Even if the other driver has minimum insurance coverage, it is often not enough to cover the full amount of accident damages. This is known as an accident with an underinsured driver. Purchasing UM/UIM coverage means if the amount of damages exceeds the amount the at-fault driver’s insurance policy will cover, your own insurance company will compensate for the difference.

Personal Injury Lawsuits Against Uninsured Drivers

If the other driver at fault has little or no coverage and you do not have UM/UIM insurance, there may be another option. A person hit by an uninsured driver can sue the driver in civil court for damages. Once a judgment is rendered, the innocent driver will have to collect the money from the driver at fault, which can include liens on property and/or wage garnishment.

Can I Sue the Uninsured Driver Who Hit Me?

Even though the law requires every driver to purchase a minimum of insurance protection, many drivers fail to do so. When these drivers cause an accident, you need to know the options available to recover your damages.

Typically, any damages caused by a vehicle accident are covered by the insurance of the at fault driver. In cases where the other driver does not have car insurance, filing a lawsuit against them may not make sense. This is because any judgment you gain for damages must come from their own pocket. This money can be hard, if not impossible, to receive. Filing a claim with your underinsured and uninsured motorist coverage (UIM) insurance policy can be the most effective way to obtain compensation for the damages.

However, it is not always easy to deal with an insurance company — even your own — to receive the funds you need to make a full financial recovery after an auto accident. Ask an attorney what you need to know about handling this type of insurance claim and how having a lawyer on your side could make all the difference.

do insurance companies go after uninsured drivers?

Insurance companies often pursue uninsured drivers to recover the costs associated with accidents or damages caused by them. When an uninsured driver is at fault in an accident, insurance companies may seek reimbursement for medical expenses, property damage, and other losses incurred by their policyholders or the insurance company itself.

In some cases, insurance companies may take legal action against uninsured drivers to recover the financial burden resulting from the accident. This can involve filing a lawsuit to compel the uninsured driver to pay for the damages they caused. Additionally, insurance companies may report the uninsured driver to the Department of Motor Vehicles (DMV) for driving without insurance, which could lead to fines, license suspension, or other penalties.

Reach Out to Our Lawyer for Free Legal Advice

If you were hit by an uninsured or underinsured driver, you may feel overwhelmed and worried you will have to pay out of pocket for the damages not covered by insurance. Attorney Stan Davis can help you look at your options and create a strategy to help you pinpoint all the possible sources of car accident compensation that may be available.

Call our law office at (615) 866-3938 for more information or fill out our online form to schedule a free review with our attorney today.

Your Success Is Our Success

Real Injuries. Real Recoveries.


  • $24,500 Verdict Rear-End Collision

    Our Nashville personal injury lawyer secured a trial verdict of $24,500.00 for a personal injury claim involving a rear-end collision. The victim was rear-ended, causing approximately $1,800.00 property damage to her bumper.

  • $300,000 Settlement Tractor-Trailer Accident

    Our Nashville truck accident lawyer gained a recovery in a Murfreesboro truck accident case involving a client hit by a tractor-trailer. Although property damage was minimal, the client sustained significant soft tissue injuries.

  • $265,000 Bad Faith Insurance Claim

    A husband, wife, and their minor child suffered injuries at the hands of an insurance company that acted in bad faith. The injured family pursued a bad faith claim against the insurance company that handled their claim improperly from the beginning.

  • $485,000 Settlement Failure to Yield

    This Plaintiff was injured when the Defendant entered her lane of travel and failed to yield the right-of-way. Liability was a swearing contest because the Defendant alleged that the Plaintiff entered his lane of traffic and there were no independent witnesses to this collision

  • $900,000 Settlement Work Injury

    A 42-year-old gentleman suffered a premises liability injury while working during the scope and course of his employment against a third party.

  • $250,000 Settlement Slip & Fall

    A middle-aged woman was dining with her family at a restaurant in Davidson County. Upon leaving the table, she slipped on food condiment that was not properly cleaned up by the restaurant staff. She sustained soft tissue knee and shoulder injuries.

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  • "Stanley Davis is an excellent attorney."
    Attorney Davis came through for me at a very difficult time in my life. I am truly grateful for him and his staff and would highly recommend his services. Even when my case was settled, the professional and friendly relationship didn’t end.
    Madelene G.
  • "I highly recommend and would not trust anyone else!"
    I recommend anyone to this firm as they treat you like a human being and not a number. I was clueless about the law in these situations... They took care of me more than I even imagined.
    Christina R.
  • "Highly Recommend"
    Mr Davis helped me on my case. He and his staff were very friendly and professional. I would definitely recommend Davis Law Firm to work your personal injury case for you!
    Nashwa N.
  • "I highly recommend this company."
    Stan and his team were great! When I had my accident I got caught up with solicitors, they did a great job getting me out. Stan handled my case with care and got me the max with my settlement.
    Breasia S.
  • "The Absolute Best Attorney in Nashville"
    Stan and his team have a "never give up" attitude and always put your best interest above their bottom line. This isn't your typical law firm. They're just good, honest people fighting to make sure you get what you deserve from your case.
    Geoff H.
  • "Stan Davis and his staff are beyond amazing!"
    The time and effort they put into my case blew my mind. Any questions, concerns, reservations, or fears I had they laid them to rest as well as provided me with reassurance.
    Nikki R.
  • "Look no further, Stanley A Davis and his team are here for YOU!"
    Stan and his team treated me like family. The communication, respect, and care for their clients here are incomparable.  I wasn’t just a number here. I was their client, their friend. They are top-notch.
    Zoraida P.
  • "The firm offers a phenomenal experience and staff."
    Circumstances regarding personal injury are unpleasant and uncomfortable. Contacting the firm granted expertise and reassurance. If I ever had to use a personal injury lawyer again, I would call the Law Office of Stan Davis.
    Jolene D.