Car Accident Lawyer | Southern Injury Attorneys
By: Attorney Larry “Jimmy” Peters; Licensed in TN, TX, KY, and AR
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Introduction
The screech of tires, the jarring impact, the sudden silence—a car accident is a traumatic event that can shatter your sense of security in an instant. In the moments that follow, you are left to deal with the physical pain, emotional shock, and overwhelming financial burdens that come with a serious collision. The road to recovery can be long and arduous, and the last thing you should have to worry about is fighting with insurance companies for the compensation you deserve. This is where an experienced car accident lawyer can make all the difference.
Our team of dedicated attorneys has handled thousands of car accident cases across the nation, from minor fender-benders to catastrophic multi-vehicle pile-ups. We have seen firsthand the devastating impact these incidents can have on individuals and their families. We understand the pain, the frustration, and the uncertainty you are facing, and we are here to guide you through every step of the legal process. We have the experience, the resources, and the unwavering commitment to fight for the justice and financial recovery you need to rebuild your life.
This webpage gives you the information you need to navigate car accident claims. Our team is ready to help, no matter where you are. We’ll walk you through what to do right after an accident, how to figure out what your case is worth, and how to deal with insurance companies. We’ll also share real examples and insights from our years of handling these cases. If you’ve been hurt in a car accident, you don’t have to face this alone. Call us today for a free consultation—no obligation, no pressure.
Table of Contents
What Car Accident Lawyers Do
Here’s a breakdown of what an experienced car accident lawyer does for their clients:
Investigation and Evidence Gathering
A successful car accident claim is built on a foundation of strong evidence. While you focus on your physical and emotional recovery, your attorney will launch a thorough investigation into the circumstances of your accident. This includes:
- Collecting and analyzing police reports: These reports provide a preliminary assessment of the accident, including diagrams, witness information, and any citations issued.
- Interviewing witnesses: Eyewitness testimony can be crucial in establishing fault. Your lawyer will contact witnesses and obtain detailed statements to support your claim.
- Gathering photographic and video evidence: This may include photos of the accident scene, vehicle damage, and your injuries, as well as surveillance or dashcam footage that captured the collision.
- Consulting with experts: In complex cases, your attorney may work with accident reconstruction specialists, medical experts, and economists to provide expert testimony on liability and the full extent of your damages.
Determining Liability and Fault
One of the most critical roles of a car accident lawyer is to determine who is legally responsible for the accident. This is not always as straightforward as it may seem. Your attorney will analyze all the evidence to identify all potentially liable parties, which could include:
- The other driver(s)
- The employer of a commercial driver
- A vehicle or parts manufacturer
- A government entity responsible for road design or maintenance
By identifying all at-fault parties, your lawyer can maximize your potential sources of recovery.
Calculating Damages
Calculating the true value of a car accident claim is a complex process that goes far beyond simply adding up medical bills. An experienced attorney will work with you and various experts to calculate the full extent of your damages, including:
- Economic Damages: These are the tangible financial losses you have incurred, such as medical expenses, lost wages, and property damage.
- Non-Economic Damages: These are the intangible losses that are more difficult to quantify, such as pain and suffering, emotional distress, and loss of enjoyment of life.
- Future Damages: In cases of serious injury, your lawyer will work with medical and financial experts to project the long-term costs of your injuries, including future medical care, lost earning capacity, and ongoing pain and suffering.
Negotiating with Insurance Companies
Insurance companies are notorious for using a variety of tactics to minimize their payouts. They may try to get you to admit fault, downplay the severity of your injuries, or offer a quick, lowball settlement before you have a chance to understand the full extent of your damages. Your lawyer will handle all communications and negotiations with the insurance companies on your behalf. They will present a strong, evidence-backed demand package and fight for a settlement that covers all of your past, present, and future losses.
Litigation and Trial Representation
While most car accident cases are settled out of court, some insurance companies refuse to offer a fair settlement. In these situations, your attorney must be prepared to take your case to trial. An experienced trial lawyer will have the skills and resources to effectively present your case to a judge and jury, and they will not back down from a fight. The willingness to go to trial is often the leverage needed to secure a fair settlement offer.
Client Advocacy and Support
Perhaps the most important role of a car accident lawyer is to be your advocate and supporter during a difficult time. They will handle the legal burdens so you can focus on your recovery. They will answer your questions, keep you informed about the progress of your case, and provide the guidance and support you need to make informed decisions. Having a dedicated legal professional on your side can provide invaluable peace of mind and allow you to focus on what matters most—getting your life back on track.
Types of Car Accidents We Handle
Car accidents come in many forms, each with its own unique set of challenges and legal complexities. At Southern Injury Attorneys, our experienced legal team has a proven track record of successfully handling a wide variety of car accident cases across Tennessee, Mississippi, Arkansas, Kentucky, and Texas. We understand the specific nuances of each collision type and know how to build a strong case to maximize your compensation. We are here to help, no matter where the accident occurred. Below are some of the most common types of car accidents we handle:
Rear-End Collisions
Rear-end collisions are one of the most frequent types of car accidents, often occurring in heavy traffic or at intersections. According to the National Highway Traffic Safety Administration (NHTSA), rear-end collisions account for a significant portion of all traffic accidents in the United States. These accidents typically happen when a following driver fails to maintain a safe distance, is distracted, or is unable to stop in time due to poor road conditions or mechanical failure. While they may seem straightforward, determining fault and proving the full extent of injuries can be complex. The rear driver is often presumed to be at fault, but there are exceptions. For example, if the front driver suddenly braked without cause or had malfunctioning brake lights, they may share some of the liability. Common injuries in rear-end collisions include whiplash, neck and back injuries, and soft tissue damage. These injuries can have long-term consequences, and it’s crucial to have an attorney who can demonstrate the full impact on your life.
Head-On Collisions
Head-on collisions are among the most devastating types of accidents, often resulting in catastrophic injuries or fatalities. These collisions account for approximately 60% of fatal multiple-vehicle crashes involving passenger cars, according to the Insurance Institute for Highway Safety (IIHS). The combined force of two vehicles traveling toward each other at high speeds creates an enormous impact that can cause severe trauma to the occupants. These collisions occur when the front ends of two vehicles collide, usually at high speeds. They are frequently caused by distracted driving, drunk driving, or a driver falling asleep at the wheel. Proving liability in a head-on collision requires a thorough investigation to determine why the at-fault driver crossed the centerline. This may involve accident reconstruction experts, analysis of vehicle data recorders, and witness interviews. The stakes are incredibly high in these cases, and you need an attorney with the experience and resources to take on the most complex legal challenges.
Side-Impact/T-Bone Accidents
Side-impact collisions, also known as T-bone accidents, typically occur at intersections when one vehicle strikes the side of another. Data from the National Safety Council shows that angle collisions cause the greatest number of deaths among collisions between motor vehicles, with approximately 8,700 fatalities in 2023 alone. These accidents are particularly dangerous because the sides of vehicles provide significantly less protection than the front or rear. The severity of these accidents depends on the speed of the vehicles and the point of impact. Occupants on the side of the vehicle that is struck are particularly vulnerable to serious injuries, as there is very little to protect them from the force of the collision. Common injuries include head and brain injuries, spinal cord injuries, and internal organ damage. Determining fault in a T-bone accident often involves analyzing traffic signals, witness statements, and vehicle positions to establish which driver had the right-of-way.
Highway Pile-Ups and Multi-Vehicle Accidents
Multi-vehicle pile-ups on highways are chaotic and complex events that can involve numerous vehicles and multiple points of impact. Determining liability in these cases is a significant challenge, as there may be several at-fault parties. It is essential to have a legal team that can quickly and effectively investigate the accident, identify all responsible parties, and untangle the complex web of liability. This may involve working with a team of experts to reconstruct the accident sequence and determine the role each driver played in the collision.
Rideshare Accidents (Uber/Lyft)
The rise of rideshare services like Uber and Lyft has introduced new complexities to car accident law. When a rideshare vehicle is involved in an accident, determining which insurance policy applies can be complicated. There may be multiple layers of coverage, including the driver’s personal insurance, the rideshare company’s insurance, and the at-fault driver’s insurance. An experienced rideshare accident attorney will understand the specific laws and insurance policies that apply in these cases and will fight to ensure you receive the maximum compensation available.
Hit-and-Run Accidents
Being the victim of a hit-and-run accident can be a frustrating and frightening experience. If the at-fault driver cannot be located, you may be left wondering how you will be compensated for your injuries and damages. In these situations, you may be able to file a claim under your own uninsured motorist (UM) coverage. An experienced attorney can help you navigate the complexities of a UM claim and ensure you receive the benefits you are entitled to. If the hit-and-run driver is eventually identified, your attorney can pursue a claim against them for the full extent of your damages.
Distracted Driving Accidents
Distracted driving has become a national epidemic, with thousands of people being injured or killed each year in accidents caused by drivers who are texting, talking on the phone, or otherwise not paying attention to the road. Proving that a driver was distracted at the time of an accident can be challenging, but an experienced attorney will know how to gather the necessary evidence. This may include obtaining cell phone records, interviewing witnesses, and working with experts to demonstrate that the other driver’s negligence caused your injuries.
DUI/Intoxicated Driver Accidents
Accidents caused by drunk or intoxicated drivers are not only tragic but also entirely preventable. According to the NHTSA, alcohol-impaired driving fatalities accounted for 13,524 deaths in 2022, representing 32% of all traffic-related fatalities. When a driver chooses to get behind the wheel while under the influence of alcohol or drugs, they are putting everyone on the road at risk. In addition to criminal charges, a drunk driver can be held civilly liable for the injuries and damages they cause. In some cases, it may also be possible to hold the bar or establishment that served the alcohol to the intoxicated driver responsible. An experienced DUI accident attorney will explore all potential sources of recovery to ensure you receive the justice and compensation you deserve.
Truck Accidents
Commercial truck accidents are among the most dangerous and complex types of vehicle collisions. Due to the sheer size and weight of tractor-trailers, 18-wheelers, and other large commercial vehicles, accidents involving these trucks often result in catastrophic injuries or fatalities. Truck accident cases involve unique federal and state regulations, including hours-of-service rules, maintenance requirements, and commercial driver licensing standards. Determining liability in a truck accident may involve multiple parties, including the truck driver, the trucking company, the cargo loader, and even the manufacturer of defective truck parts. Our experienced truck accident attorneys have the knowledge and resources to thoroughly investigate these complex cases and hold all responsible parties accountable.
Motorcycle Accidents
Motorcyclists face unique dangers on the road. Without the protective shell of a car, motorcycle riders are extremely vulnerable to serious injuries in a collision. Common causes of motorcycle accidents include driver inattention, failure to yield, unsafe lane changes, and road hazards. Motorcyclists are often unfairly blamed for accidents due to negative stereotypes, even when the other driver was clearly at fault. An experienced motorcycle accident attorney will fight against these biases and work to prove the true cause of the accident. If you or a loved one has been injured in a motorcycle crash, our experienced attorneys can help you navigate the legal process and recover the compensation you deserve.
Pedestrian and Bicycle Accidents
Pedestrians and bicyclists are among the most vulnerable road users. When struck by a vehicle, they have no protection and often suffer severe or fatal injuries. Drivers have a legal duty to exercise reasonable care to avoid hitting pedestrians and cyclists, especially in crosswalks, school zones, and residential areas. Common causes of pedestrian and bicycle accidents include distracted driving, failure to yield, speeding, and driving under the influence. If you or a loved one has been injured while walking or cycling, our dedicated legal team can help.
Delivery Vehicle Accidents
With the rise of e-commerce and food delivery services, delivery vehicle accidents have become increasingly common. These accidents can involve company-owned delivery trucks, independent contractor vehicles, or personal vehicles used for delivery services like Amazon, UberEats, or DoorDash. Determining liability in a delivery vehicle accident can be complex, as it may depend on the driver’s employment status, whether they were on duty at the time of the accident, and the specific insurance policies in place. Our attorneys have experience handling these unique cases and can help you navigate the complexities of delivery driver liability.
Common Causes of Car Accidents
Distracted Driving
Distracted driving has become one of the leading causes of car accidents in the United States. With the proliferation of smartphones and other mobile devices, drivers are more distracted than ever before. Distracted driving includes any activity that takes a driver’s attention away from the road, such as texting, talking on the phone, eating, drinking, adjusting the radio, using a GPS, or interacting with passengers. Even a momentary lapse in attention can have devastating consequences. Taking your eyes off the road for just five seconds while traveling at 55 mph means you have traveled the length of a football field without looking.
Speeding
Speeding is a factor in approximately one-third of all fatal car accidents. When drivers exceed the posted speed limit or drive too fast for road conditions, they have less time to react to hazards, and the force of impact in a collision is significantly greater. Higher speeds also reduce a driver’s ability to navigate curves and turns safely. Speed limits are set based on road design, traffic patterns, and safety considerations, and exceeding them puts everyone at risk.
Driving Under the Influence (DUI)
Driving under the influence of alcohol or drugs is one of the most reckless and preventable causes of car accidents. Alcohol impairs judgment, slows reaction time, reduces coordination, and affects vision. Despite decades of public awareness campaigns and strict legal penalties, drunk driving continues to claim thousands of lives each year. Drug-impaired driving, including the use of illegal drugs, prescription medications, and even some over-the-counter drugs, is also a growing concern.
Reckless Driving
Reckless driving encompasses a range of dangerous behaviors, including aggressive driving, tailgating, weaving in and out of traffic, running red lights or stop signs, and making illegal turns. Drivers who engage in reckless behavior show a willful disregard for the safety of others and can be held liable for any accidents they cause. In some cases, reckless driving can even result in punitive damages.
Weather Conditions
Adverse weather conditions such as rain, snow, ice, fog, and high winds can make driving hazardous. Wet or icy roads reduce traction and increase stopping distances, while fog and heavy rain reduce visibility. Drivers have a duty to adjust their speed and driving behavior to account for weather conditions. Failure to do so can constitute negligence.
Running Red Lights and Stop Signs
Intersection accidents are often caused by drivers who run red lights or fail to stop at stop signs. These violations are particularly dangerous because they often result in side-impact collisions, which can cause serious injuries. Red light cameras and increased enforcement have helped reduce these violations, but they remain a significant problem.
Failure to Yield
Failure to yield the right-of-way is a common cause of accidents at intersections, in parking lots, and when merging onto highways. Drivers must understand and follow right-of-way rules to prevent collisions. Common scenarios include failing to yield to oncoming traffic when making a left turn, failing to yield to pedestrians in a crosswalk, and failing to yield when merging.
Drowsy Driving
Drowsy driving is a serious and often underestimated danger. Fatigue slows reaction time, impairs judgment, and can even cause a driver to fall asleep at the wheel. Truck drivers, shift workers, and anyone who has not gotten adequate sleep are at risk. Drowsy driving accidents are particularly common in the early morning hours and late at night.
Vehicle Defects
Sometimes, car accidents are caused by defects in the vehicle itself, such as faulty brakes, defective tires, steering system failures, or airbag malfunctions. When a vehicle defect causes an accident, the manufacturer, distributor, or seller may be held liable under product liability laws.
Poor Road Conditions
Dangerous road conditions, such as potholes, uneven pavement, lack of proper signage, poorly designed intersections, and inadequate lighting, can contribute to accidents. Government entities responsible for road maintenance and design may be held liable if their negligence contributed to a collision.
The Personal Injury Claim Process: Step-by-Step
Navigating the personal injury claim process can be daunting, especially when you’re focused on recovering from your injuries. At Southern Injury Attorneys, we’re here to guide you through every step of the way, ensuring you understand your rights and options. While each case is unique, the personal injury claim process generally follows these steps:
- Seek Medical Attention: Your health and well-being are the top priority. After an accident, it’s crucial to seek immediate medical attention, even if you don’t think you’re seriously injured. Some injuries, such as whiplash and internal bleeding, may not be immediately apparent. A thorough medical evaluation will not only ensure you receive the care you need but also create a medical record that will be essential to your personal injury claim.
- Consult with a Personal Injury Attorney: Once you’ve addressed your immediate medical needs, it’s time to consult with an experienced personal injury attorney. The sooner you involve a lawyer, the better. An attorney can advise you of your legal rights, investigate your claim, and handle all communication with the insurance companies on your behalf. At Southern Injury Attorneys, we offer a free, no-obligation consultation to discuss your case and answer any questions you may have.
- Investigate the Claim: Your attorney will conduct a thorough investigation into the circumstances of your accident. This may involve gathering evidence such as police reports, medical records, and witness statements. We may also work with accident reconstruction experts and other specialists to build the strongest possible case on your behalf.
- File the Claim: Once we’ve gathered the necessary evidence, we’ll file a personal injury claim with the at-fault party’s insurance company. The claim will outline the details of the accident, the extent of your injuries, and the amount of compensation you’re seeking.
- Negotiate a Settlement: In many cases, personal injury claims are resolved through a negotiated settlement. Our skilled negotiators will work tirelessly to secure a fair settlement that covers all of your damages, including medical expenses, lost wages, and pain and suffering. We’re not afraid to play hardball with the insurance companies to ensure you receive the compensation you deserve.
- File a Lawsuit: If the insurance company is unwilling to offer a fair settlement, we’ll be prepared to file a lawsuit and take your case to court. While most personal injury cases are settled out of court, we’re always ready to go to trial to protect our clients’ rights and interests.
- Discovery and Trial: If a lawsuit is filed, both sides will engage in a process called discovery, where they exchange information and evidence. If the case proceeds to trial, we will present your case to a judge and jury, who will ultimately decide the outcome.
- Receive Your Compensation: If your case is successful, you will receive a settlement or verdict to compensate you for your losses. Your attorney will handle the final details, including paying any outstanding medical bills or liens, before disbursing the remaining funds to you.
Have Questions About the Legal Process? We Have Answers.
The personal injury claim process can be complex, but you don’t have to go through it alone. Our experienced attorneys are here to guide you every step of the way. If you have questions about your case or the legal process, we invite you to contact us for a free, no-obligation consultation.
Call us 24/7 at 800-224-5546 or fill out our online contact form to get the answers you need.
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Accidents We Handle
Common Car Accident Injuries
Traumatic Brain Injury (TBI)
A traumatic brain injury is one of the most serious and devastating injuries a person can sustain in a car accident. A TBI occurs when a sudden jolt or impact to the head causes the brain to collide with the inside of the skull. This can result in bruising, bleeding, and swelling of the brain, as well as damage to the delicate nerve fibers. The symptoms of a TBI can range from mild, such as a concussion with temporary confusion or disorientation, to severe, resulting in long-term cognitive impairment, memory loss, personality changes, and even a coma or vegetative state. Car accidents are a leading cause of TBIs, and these injuries often require extensive medical treatment, rehabilitation, and lifelong care.
Spinal Cord Injuries and Paralysis
The spinal cord is a bundle of nerves that runs from the base of the brain down the back and is responsible for transmitting signals between the brain and the rest of the body. Damage to the spinal cord in a car accident can be catastrophic, leading to partial or complete paralysis. According to the National Institute of Child Health and Development, car accidents account for 40.4% of spinal cord injuries in the United States. A spinal cord injury can result in paraplegia (paralysis of the lower body) or quadriplegia (paralysis of the entire body from the neck down). Victims of spinal cord injuries often require a lifetime of medical care, including surgery, rehabilitation, and assistive devices. The financial and emotional costs of a spinal cord injury are staggering, and it is crucial to have an attorney who can fight for the full compensation you will need to live with this devastating injury.
Whiplash and Soft Tissue Damage
Whiplash is one of the most common injuries sustained in car accidents, particularly in rear-end collisions. It occurs when the head is suddenly and forcefully thrown backward and then forward, causing damage to the soft tissues of the neck, including the muscles, ligaments, and tendons. The symptoms of whiplash can include neck pain and stiffness, headaches, dizziness, and pain in the shoulders and arms. While whiplash is often considered a minor injury, it can cause chronic pain and disability if not properly treated. Other soft tissue injuries, such as sprains, strains, and contusions, are also common in car accidents and can cause significant pain and limitation of movement.
Broken Bones and Fractures
The immense force of a car accident can easily cause bones to break or fracture. Any bone in the body can be broken in a car accident, but some of the most common fractures we see involve the arms, legs, hips, and ribs. A simple fracture may heal with a cast and time, but a more complex or compound fracture may require surgery, including the insertion of plates, screws, or rods to hold the bone in place. Complications from fractures can include infection, nerve damage, and long-term pain and disability.
Internal Injuries and Organ Damage
The blunt force trauma of a car accident can cause serious damage to the internal organs, even if there are no visible signs of injury on the outside of the body. Internal bleeding is a life-threatening condition that can occur when an organ is ruptured or torn. Other internal injuries can include damage to the liver, spleen, kidneys, or bowels. These injuries are medical emergencies and require immediate treatment. The long-term consequences of internal injuries can be severe and may require ongoing medical care.
Burn Injuries
In some of the most horrific car accidents, victims can suffer severe burn injuries. These can be caused by contact with hot surfaces, chemicals, or fire. Burn injuries are incredibly painful and can cause permanent scarring and disfigurement. They often require extensive medical treatment, including skin grafts and plastic surgery. The emotional trauma of a burn injury can be just as devastating as the physical pain, and victims often require years of counseling and support.
Wrongful Death
Tragically, many car accidents result in the death of one or more individuals. In 2024 alone, an estimated 39,345 people died in motor vehicle traffic crashes across the United States, according to NHTSA data. Each of these deaths represents an immeasurable loss to families and communities. When a person is killed in a car accident due to the negligence or wrongful act of another, their surviving family members may be able to file a wrongful death claim. For more information on how we can help during this difficult time, please visit our wrongful death attorneys page. A wrongful death claim can provide compensation for the financial losses the family has suffered, such as the loss of the deceased person’s income and support, as well as the emotional pain and suffering of losing a loved one. While no amount of money can ever replace a family member, a wrongful death claim can provide a sense of justice and financial security for the future.
How Injury Severity Affects Compensation
The severity of your injuries is one of the most significant factors in determining the value of your car accident claim. Generally, the more severe and permanent your injuries, the higher your compensation will be. For example, a claim involving a mild case of whiplash that resolves in a few weeks will be worth significantly less than a claim involving a spinal cord injury that results in permanent paralysis. An experienced car accident lawyer will work with medical experts to fully document the extent of your injuries and their long-term impact on your life to ensure you receive the maximum compensation you are entitled to. We have successfully recovered multi-million dollar settlements for clients with catastrophic injuries, and we are prepared to fight for the resources you need to move forward.
Determining Liability & Fault
The Negligence Standard in Car Accidents
Most car accident claims are based on the legal concept of negligence. To prove negligence, you and your attorney must establish four key elements:
- Duty of Care: You must show that the other driver owed you a duty of care. All drivers have a legal duty to operate their vehicles in a reasonably safe manner to avoid harming others on the road.
- Breach of Duty: You must demonstrate that the other driver breached their duty of care. This can be through a specific action, such as speeding or running a red light, or through inaction, such as failing to yield the right-of-way.
- Causation: You must prove that the other driver’s breach of duty was the direct and proximate cause of your injuries. In other words, the accident would not have occurred, and you would not have been injured, if not for the other driver’s negligent actions.
- Damages: You must show that you suffered actual damages as a result of the accident. These can include medical bills, lost wages, property damage, and pain and suffering.
Evidence Used to Prove Liability
Building a strong case for liability requires a thorough investigation and the collection of compelling evidence. Your attorney will use a variety of resources to prove fault, including:
- Police Reports: The official police report provides a detailed account of the accident scene, including officer observations, witness statements, and any citations issued. While not always admissible in court, it is a critical piece of evidence in the claims process.
- Witness Statements: Independent eyewitnesses can provide an unbiased account of what happened. Your lawyer will identify and interview witnesses to gather testimony that supports your version of events.
- Photos and Videos: Visual evidence is incredibly powerful. Photos of the accident scene, vehicle damage, and road conditions, as well as any available surveillance or dashcam footage, can provide clear proof of how the accident occurred.
- Expert Testimony: In complex cases, your attorney may retain experts to provide specialized testimony. Accident reconstructionists can recreate the accident to determine speeds, angles of impact, and the sequence of events. Medical experts can testify to the severity of your injuries and their cause.
Identifying All Liable Parties
In many car accident cases, there may be more than one party who shares responsibility for the collision. An experienced attorney will dig deeper to identify all potential sources of recovery, which could include:
- The other driver’s employer: If the at-fault driver was working at the time of the accident, their employer may be held vicariously liable.
- A vehicle manufacturer: If a defective vehicle part, such as faulty brakes or a defective tire, contributed to the accident, the manufacturer may be held liable.
- A government entity: If a dangerous road condition, such as a poorly designed intersection or a lack of proper signage, caused the accident, the government entity responsible for maintaining the road may be at fault.
Understanding Comparative Negligence
In many states, the concept of comparative negligence is used to assign fault in a car accident. Under this doctrine, you can still recover damages even if you were partially at fault for the accident. However, your total compensation will be reduced by your percentage of fault. For example, if you are found to be 20% at fault for an accident and your total damages are $100,000, you will be able to recover $80,000. Some states follow a “modified” comparative negligence rule, which bars you from recovering any damages if you are found to be 50% or more at fault. An experienced attorney will understand the specific laws in your state and will fight to minimize your percentage of fault to maximize your recovery.
Insurance Company Tactics to Avoid Liability
Insurance companies are in the business of making money, and they will use a variety of tactics to avoid paying claims. They may try to get you to give a recorded statement and then use your words against you to argue that you were at fault. They may dispute the evidence, challenge the severity of your injuries, or try to shift blame to you or another party. This is why it is so critical to have an experienced car accident lawyer on your side. Your attorney will handle all communications with the insurance company, protect you from their tactics, and build a strong case for liability that they cannot ignore.
Car Accident Damages: What You Can Recover
Economic Damages
Economic damages are the actual money you’ve spent or lost because of the accident. These are the bills and receipts you can add up. They form the foundation of your claim and include:
- Medical Expenses: This is often the largest component of economic damages. It includes all past, present, and future medical costs related to your injuries. Past medical expenses include emergency room visits, ambulance transportation, hospital stays, surgeries, diagnostic tests (X-rays, MRIs, CT scans), doctor’s appointments, specialist consultations, physical therapy sessions, prescription medications, and medical equipment such as wheelchairs, crutches, or braces. Future medical expenses are equally important and may include ongoing treatment, future surgeries, long-term rehabilitation, home health care, assisted living costs, and modifications to your home or vehicle to accommodate a disability. An experienced attorney will work with medical experts and life care planners to accurately project these future costs.
- Lost Wages: If your injuries prevent you from working, you can recover the wages you have lost from the time of the accident until you are able to return to work. This includes your regular salary or hourly wages, as well as any bonuses, commissions, overtime pay, tips, or other forms of compensation you would have earned. You will need to provide documentation such as pay stubs, tax returns, and a letter from your employer to prove your lost income. If you are self-employed, calculating lost wages can be more complex, but an experienced attorney can work with financial experts to establish your lost earnings.
- Future Earning Loss: If your injuries result in a long-term or permanent disability that affects your ability to work, you can recover compensation for your diminished earning capacity. This is not just about the wages you have already lost, but about the income you will lose over the remainder of your working life. Calculating future earning loss requires a comprehensive analysis that takes into account your age, education level, occupation, skills, work history, career trajectory, and the extent of your disability. Economists and vocational experts are often retained to provide testimony about your future earning potential and the financial impact of your injuries.
- Property Damage: This includes the cost to repair or replace your vehicle and any other personal property that was damaged in the accident, such as a laptop, phone, clothing, or other items that were in your vehicle at the time of the collision. If your vehicle is totaled (meaning the cost to repair it exceeds its fair market value), you are entitled to the fair market value of the vehicle immediately before the accident. You may also be entitled to compensation for the loss of use of your vehicle while it is being repaired or replaced.
- Rehabilitation Costs: In cases of serious injury, you may require ongoing rehabilitation to regain function and independence. Physical therapy helps restore mobility, strength, and flexibility. Occupational therapy teaches you how to perform daily activities despite your injuries. Vocational rehabilitation may be necessary if you need to learn new job skills due to a permanent disability. These rehabilitation costs can be substantial and may continue for months or even years. All of these expenses are recoverable as part of your economic damages.
- Home and Vehicle Modifications: If you have suffered a catastrophic injury that results in a permanent disability, you may need to make modifications to your home and vehicle to accommodate your new limitations. This could include installing wheelchair ramps, widening doorways, adding grab bars in bathrooms, lowering countertops, or purchasing a specially equipped vehicle. These modification costs can easily reach tens of thousands of dollars and are fully recoverable in your claim.
- Household Services: If your injuries prevent you from performing household tasks that you used to do yourself, such as cleaning, cooking, yard work, or childcare, you can recover the cost of hiring someone to perform these services. This is true even if a family member is providing the care, as they are entitled to compensation for the value of their time and labor.
Non-Economic Damages
Non-economic damages don’t come with a receipt, but they’re just as real. These cover the human cost of your injuries—the ways your life has been diminished. They include:
- Pain and Suffering: This is compensation for the physical pain and discomfort you have endured as a result of your injuries. Pain and suffering damages account for both the pain you have already experienced and the pain you will continue to experience in the future. This includes chronic pain, discomfort from medical procedures, and the physical limitations imposed by your injuries. While there is no exact formula for calculating pain and suffering, it is typically valued as a multiple of your economic damages, with more severe injuries commanding higher multiples.
- Emotional Distress: This includes the mental anguish, anxiety, depression, post-traumatic stress disorder (PTSD), and other psychological impacts of the accident and your injuries. Many car accident victims experience nightmares, flashbacks, fear of driving, and other emotional symptoms that can be just as debilitating as physical injuries. You may require ongoing counseling or psychiatric treatment to cope with the emotional trauma. These psychological damages are fully compensable and should not be overlooked.
- Loss of Enjoyment of Life: If your injuries prevent you from participating in hobbies, activities, and other aspects of life that you once enjoyed, you can be compensated for this loss. This could include the inability to play sports, travel, garden, play with your children or grandchildren, or engage in any activity that brought you joy and fulfillment. The more active and engaged you were before the accident, the greater this loss may be valued.
- Loss of Consortium: If your injuries have negatively affected your relationship with your spouse, they may be able to file a separate claim for loss of consortium. This compensates them for the loss of companionship, affection, intimacy, and support that they have suffered as a result of your injuries. In some cases, children may also be able to recover for the loss of parental guidance and companionship.
- Disfigurement and Scarring: Permanent scars, burns, or other disfigurement can have a profound impact on your self-esteem, mental health, and quality of life. Visible scars, especially on the face or other exposed areas, can lead to social anxiety, depression, and difficulty in personal and professional relationships. Compensation for disfigurement takes into account the severity and location of the scarring, as well as the emotional impact it has on your life.
- Permanent Disability: If your injuries result in a permanent disability that affects your ability to perform basic life activities, you are entitled to significant compensation. This includes the loss of a limb, paralysis, blindness, loss of cognitive function, or any other permanent impairment. The younger you are at the time of the injury, the greater the value of this damage, as you will have to live with the disability for a longer period of time.
Punitive Damages
In rare cases, you might be awarded punitive damages. These aren’t about compensating you—they’re about punishing the person who hurt you and sending a message to others. Courts only award punitive damages when someone’s behavior was especially reckless or malicious, like in drunk driving cases where the driver showed complete disregard for human life.
Wrongful Death Damages
If a car accident results in a fatality, the surviving family members may be able to file a wrongful death claim to recover damages for their losses. These damages can include medical and funeral expenses, the loss of the deceased’s income and financial support, and the loss of the deceased’s companionship, guidance, and love.
How Damages Are Calculated
Calculating the full value of your damages is a complex process that requires the expertise of an experienced car accident lawyer. Your attorney will work with medical experts, economists, and other specialists to determine the full extent of your past, present, and future losses. While there is no exact formula, the value of your claim is generally based on the severity of your injuries, the total amount of your economic damages, and the impact the accident has had on your life. For example, a case involving a traumatic brain injury that requires a lifetime of care will be worth significantly more than a case involving a minor soft tissue injury that heals in a few weeks.
Average Settlement Ranges by Injury Type
It is important to understand that every case is unique, and the value of your claim will depend on the specific facts and circumstances of your accident. However, to give you a general idea, here are some average settlement ranges for different types of injuries:
- Minor Injuries (e.g., whiplash, soft tissue strains): $10,000 – $25,000
- More Serious Injuries (e.g., broken bones, herniated discs): $50,000 – $100,000+
- Catastrophic Injuries (e.g., spinal cord injuries, TBI): $500,000 – $5,000,000+
It is crucial to remember that these are just averages, and your actual settlement could be higher or lower. Our firm has a track record of securing substantial settlements for our clients, including multi-million dollar recoveries in cases of catastrophic injury. For example, we have successfully handled cases resulting in settlements of $5 million, $3.8 million, and $1.8 million for clients who have suffered life-altering injuries. These results demonstrate our commitment to fighting for the maximum compensation our clients deserve. Please note that past results do not guarantee future outcomes, as each case is unique.
The Car Accident Claim Process: Step-by-Step
Navigating the aftermath of a car accident can feel like a daunting journey filled with uncertainty. Understanding the car accident claim process can empower you and reduce stress, allowing you to focus on your recovery. While each case has its unique path, the process generally follows a series of predictable stages. An experienced car accident lawyer will guide you through each phase, handling the complexities and advocating for your best interests. Here is a step-by-step overview of what to expect.
Step 1: Immediate Actions at the Accident Scene
What you do in the moments immediately following a car accident can have a significant impact on your health and the strength of your future legal claim. The actions you take at the scene can preserve critical evidence and protect your legal rights. If you are physically able, take the following steps:
- Check for Injuries: Your first priority is safety. Assess yourself and your passengers for injuries. If anyone is hurt, call 911 immediately. Even if injuries seem minor, it is important to have medical professionals evaluate everyone involved.
- Move to Safety: If your vehicle is drivable and you are blocking traffic, move it to a safe location, such as the shoulder of the road or a nearby parking lot. Turn on your hazard lights to alert other drivers. However, if moving the vehicle could cause further injury or if the accident is severe, stay where you are and wait for emergency responders.
- Call the Police: Always report the accident to the police, even if it seems minor. In many states, you are legally required to report accidents that result in injury or property damage above a certain threshold. A police report is a crucial piece of evidence that documents the facts of the incident, including the officer’s assessment of fault.
- Exchange Information: Get the name, address, phone number, driver’s license number, license plate number, and insurance information from all other drivers involved. Also, get the names and contact information of any witnesses. Be polite but do not discuss the details of the accident or who was at fault.
- Document the Scene: Use your phone to take pictures and videos of the accident scene from multiple angles. Capture vehicle damage, skid marks, road conditions, traffic signals, street signs, and any visible injuries. This visual evidence can be invaluable in proving your case. Do not post these photos or any information about the accident on social media, as insurance companies may use your posts against you.
- Do Not Admit Fault: Avoid making any statements that could be interpreted as an admission of fault, such as “I’m sorry” or “I didn’t see you.” Even if you think you may have contributed to the accident, let the investigation determine fault. Stick to the facts when speaking with the police and other drivers.
- Notify Your Insurance Company: Most insurance policies require you to report an accident within a certain timeframe. Contact your insurance company to notify them of the accident, but avoid giving a detailed recorded statement until you have spoken with an attorney.
For a more detailed guide on what to do immediately after a car accident, especially if you are in the Memphis area, visit our resource: What to Do After a Car Accident in Memphis.
Step 2: Seek Medical Attention and Document Treatment
Your health is the top priority. Even if you feel fine after an accident, it is essential to seek a medical evaluation as soon as possible. Some serious injuries, such as whiplash or internal bleeding, may not have immediate symptoms. Adrenaline can mask pain, and a delay in treatment can not only harm your health but also give the insurance company an excuse to argue that your injuries are not related to the accident. Follow all of your doctor’s recommendations, attend all follow-up appointments, and keep detailed records of all medical treatment and expenses.
Step 3: Report the Accident to Your Insurance Company and Hire an Attorney
Notify your own insurance company about the accident as soon as possible. Provide them with the basic facts of the incident but avoid giving a recorded statement or signing any documents until you have spoken with a car accident lawyer. Insurance adjusters are trained to protect their company’s interests, not yours. Before you speak with the at-fault driver’s insurance company, it is highly advisable to consult with an attorney. Your lawyer will handle all communications with the insurance companies on your behalf, protecting you from their tactics and ensuring your rights are preserved.
Step 4: Investigation and Evidence Gathering
Once you have hired an attorney, they will launch a comprehensive investigation into your accident. This is the phase where your legal team builds the foundation of your case. They will gather and analyze all available evidence, including the police report, witness statements, medical records, and photos from the scene. They may also hire experts, such as accident reconstructionists, to provide a scientific analysis of how the accident occurred. This thorough investigation is critical for proving liability and establishing the full extent of your damages.
Step 5: The Demand Letter and Negotiation
After you have completed your initial medical treatment and your attorney has a clear understanding of your long-term prognosis, they will prepare and send a demand letter to the at-fault party’s insurance company. This formal document outlines the facts of the case, establishes liability, details all of your damages (both economic and non-economic), and demands a specific amount for settlement. The insurance company will then review the demand letter and respond with a counteroffer, which is often significantly lower than what you demanded. This marks the beginning of the negotiation phase. Your attorney will use their experience and the strength of your case to negotiate for a fair and just settlement.
Step 6: Reaching a Settlement or Filing a Lawsuit
In many cases, a skilled attorney can negotiate a fair settlement without ever having to step foot in a courtroom. A settlement is a formal agreement to resolve the claim for an agreed-upon amount of money. If a fair settlement is reached, you will sign a release form, and the case will be closed. However, if the insurance company refuses to offer a reasonable settlement, your attorney will advise you on the next step: filing a lawsuit. The decision to file a lawsuit is always yours, and your lawyer will provide you with the information and guidance you need to make an informed choice.
Step 7: The Litigation and Trial Process
Filing a lawsuit initiates the formal litigation process. This phase involves several stages, including:
- Discovery: Both sides exchange information and evidence through written questions (interrogatories), requests for documents, and depositions (sworn, out-of-court testimony).
- Mediation: Many courts require the parties to attend mediation, a confidential meeting where a neutral third party helps facilitate a settlement.
- Trial: If the case does not settle, it will proceed to trial. Your attorney will present your case to a judge and jury, who will ultimately decide the outcome.
The entire car accident claim process can take anywhere from a few months to a few years, depending on the complexity of the case and the willingness of the insurance company to negotiate in good faith. Having a dedicated and experienced car accident lawyer by your side is the best way to ensure the process is as smooth and successful as possible.
Negotiating With Insurance Companies
One of the most challenging and intimidating aspects of a car accident claim is dealing with insurance companies. It is crucial to remember that insurance companies are for-profit businesses, and their primary goal is to protect their bottom line by paying out as little as possible on claims. Insurance adjusters are trained negotiators who use a variety of tactics to devalue or deny legitimate claims. This is why having an experienced car accident lawyer in your corner is so essential. Your attorney will level the playing field and handle all negotiations on your behalf, fighting for the full and fair compensation you deserve.
How Insurance Companies Assess Claims
When you file a claim, the insurance company will assign an adjuster to your case. The adjuster’s job is to investigate the claim and determine how much, if anything, the insurance company should pay. They will review the police report, medical records, and any other evidence you provide. They will also likely ask you to give a recorded statement, which they can use to find inconsistencies or admissions of fault. The adjuster will then use this information, along with their company’s internal formulas and software, to assign a value to your claim. This initial valuation is almost always significantly lower than the true value of your damages.
Common Lowball Offers and Denial Tactics
Insurance companies employ a range of tactics to minimize their payouts. Some of the most common include:
- Making a Quick, Lowball Offer: The adjuster may offer you a quick settlement before you have had a chance to fully understand the extent of your injuries and damages. They hope you will take the money out of desperation, and in doing so, you will sign away your right to any future compensation.
- Disputing the Severity of Your Injuries: The insurance company may argue that your injuries are not as serious as you claim, or that they were pre-existing and not caused by the accident.
- Delaying the Process: By dragging out the claims process, the insurance company hopes you will become frustrated and give up or accept a lower settlement.
- Shifting the Blame: The adjuster may try to argue that you were partially or entirely at fault for the accident, even if the evidence clearly shows otherwise.
- Misrepresenting the Policy: In some cases, an insurance company may misrepresent the terms of the policy or tell you that certain damages are not covered when they actually are.
Why Having an Attorney Strengthens Your Negotiating Position
When you hire a car accident lawyer, you’re telling the insurance company you mean business. An experienced attorney knows all their tricks and how to beat them. Your lawyer will:
- Handle all communications with the insurance company, protecting you from their manipulative tactics.
- Conduct a thorough investigation to gather the evidence needed to build a strong, undeniable claim.
- Work with medical and financial experts to accurately calculate the full value of your damages.
- Present a comprehensive demand package that clearly outlines your case and justifies your demand for compensation.
- Use their negotiation skills and experience to fight for a settlement that covers all of your past, present, and future losses.
When to Accept a Settlement vs. Demand More
The decision of whether to accept a settlement offer is always yours to make. Your attorney will provide you with their professional opinion and guidance, but the ultimate choice is up to you. A good settlement should cover all of your economic and non-economic damages and provide you with the financial security you need to move forward with your life. If the insurance company’s offer is not fair, your attorney will advise you to reject it and continue negotiating or proceed with filing a lawsuit.
Litigation as Leverage for Better Settlements
The threat of a lawsuit is your most powerful weapon. Insurance companies hate going to trial—it’s expensive and risky. They’d rather settle than roll the dice in court. An experienced trial lawyer who’s not afraid to litigate has serious leverage at the negotiating table. That willingness to fight dramatically increases your chances of getting a fair offer.
Why Choose SouthernInjury.com / Our Firm
Decades of Experience with Car Accident Cases
Our legal team brings decades of combined experience to the table, having successfully handled thousands of car accident cases. We’ve seen it all—from straightforward rear-end collisions to complex, multi-million dollar catastrophic injury claims. This extensive experience gives us the knowledge and insight to effectively navigate any challenge that may arise in your case. Our legal team has the expertise to handle cases across multiple states, and we have a proven track record of success that speaks for itself.
A Track Record of Results and Settlements
While past results do not guarantee future outcomes, our firm’s history of securing substantial settlements and verdicts for our clients speaks for itself. We have a proven ability to take on the largest insurance companies and win. We are proud of the multi-million dollar recoveries we have obtained for clients who have suffered life-altering injuries, and we bring the same level of dedication and tenacity to every case we handle, big or small. Our goal is always to maximize your compensation and secure the financial resources you need to rebuild your life.
A Dedicated Team of Experienced Attorneys
Unlike some large, impersonal firms where your case may be passed off to a junior associate or paralegal, at Southern Injury Attorneys, you will work directly with an experienced attorney who is dedicated to your case. We believe in a client-centered approach, which means we take the time to get to know you, understand your needs, and keep you informed every step of the way. Our attorneys are not just legal advocates; they are compassionate counselors who will provide the support and guidance you need during a difficult time.
We Work on a Contingency Fee Basis
We believe that everyone should have access to high-quality legal representation, regardless of their financial situation. That is why we work on a contingency fee basis. This means you pay absolutely no upfront fees, and we only get paid if we win your case. Our fee is a percentage of the compensation we recover for you, so you can be confident that we are motivated to get you the best possible result. If we don’t win, you don’t owe us a dime.
Free, No-Obligation Consultation
We understand that you have questions and concerns, and we are here to help. We offer a free, no-obligation consultation to all potential clients. During this confidential meeting, we will review the facts of your case, explain your legal rights and options, and answer any questions you may have. There is no cost and no pressure. It is simply an opportunity for you to get the information you need to make an informed decision about your future.
Real Client Testimonials
Don’t just take our word for it—here’s what our clients have to say about their experience with Southern Injury Attorneys:
“I can’t say enough good things about Southern Injury Attorneys! From the very beginning, they were not only professional and knowledgeable, but also incredibly caring and supportive. They kept me informed every step of the way, always made time to answer my questions, and made a very difficult process feel manageable. I truly felt like I wasn’t just another case to them—they treated me with compassion and respect throughout. I’d not only like to thank the entire Southern Injury family, but I’d like to give a special shoutout to Ethan, Kandis, Jimmy, and Ayah for all their hard work and dedication.” — Emily Espinal
“This team is incredible! From the first consultation, I felt reassured that I was in the right hands. My lawyer took the time to really understand how the accident impacted my life and was always just a phone call away when I had questions. When it came time to negotiate, they were tough and got results. I finally feel like I got what I should get from this.” — Kenneth Jagger
“I can’t thank my injury lawyer enough for everything they did for me. From the start, they were honest, responsive, and completely committed to my case. They fought hard and made sure I got the compensation I deserved. I was never left in the dark—every step of the way, they kept me informed and made the whole process as stress-free as possible. Thanks to their hard work, I got paid and can finally move forward. If you’re looking for a lawyer who truly has your back, this is the one.” — Mohammed Odeh
“Attorney Williamson was a great representation of this firm. He and Ayah walked me through everything I needed to know. I am very pleased with this law firm.” — Latanya Lee
“They truly helped me handle the legal aspect of my car accident in Memphis without causing me any stress. I felt supported the entire time, and the resolution was just. Their advice helped me get through a difficult period.” — Susan Rodriguez
“Jimmy was informative during entire process and kept me up to date entire time. His staff is just as great as well and will be using him moving forward for any needs.” — Wagner Gurkin
Call-to-Action & Closing
If you or a loved one has been injured in a car accident, you don’t have to face the fight for justice alone. The experienced and compassionate car accident lawyers at Southern Injury Attorneys are here to help. We have the resources, the knowledge, and the unwavering dedication to take on the insurance companies and fight for the maximum compensation you deserve.
Don’t wait to get the legal help you need. The law limits the amount of time you have to file a claim, so it is crucial to act quickly. Contact us today for a free, no-obligation consultation. Let us handle the legal burdens so you can focus on what matters most—your recovery. Call us now at 800-224-5546 or fill out our online contact form to get started. We are available 24/7 to take your call.
Locations We Serve
While we are a national law firm, we have a strong presence in the following locations:
We also serve clients in Mississippi, Arkansas, and Kentucky. If you have been injured in a car accident in any of these areas, please do not hesitate to contact us for a free consultation.
Get Answers To Your Most Asked Questions
While you are not legally required to hire a lawyer for a car accident claim, it is almost always in your best interest to do so, especially if you have been injured. A car accident lawyer will protect your rights, handle the complexities of the legal process, and fight for the maximum compensation you deserve. Studies have shown that accident victims who hire a lawyer receive significantly higher settlements than those who do not, even after accounting for attorney fees.
Most car accident lawyers, including our firm, work on a contingency fee basis. This means that you do not pay any upfront fees, and we only get paid if we win your case. Our fee is a percentage of the total settlement or verdict we obtain for you. This arrangement allows you to have access to high-quality legal representation without having to worry about the cost. If we do not recover any compensation for you, you owe us nothing.
The timeline for a car accident case can vary widely depending on the specific circumstances. A straightforward case with minor injuries might settle in a few months, while a complex case involving catastrophic injuries and a trial could take a year or more. The length of your case will depend on factors such as the severity of your injuries, the clarity of liability, and the willingness of the insurance company to negotiate in good faith. Your attorney will be able to give you a more accurate timeline after reviewing the details of your case.
Yes, in many cases, it is possible to file a claim against multiple parties who may have contributed to the accident. For example, if you were hit by a delivery driver who was working at the time of the accident, you may be able to file a claim against both the driver and their employer. If a defective vehicle part caused the accident, you may have a claim against the manufacturer. An experienced attorney will investigate all potential sources of liability to maximize your recovery.
Even if you were partially at fault for the accident, you may still be able to recover compensation. Many states follow a comparative negligence system, which allows you to recover damages as long as you are not found to be more than 50% at fault. Your total compensation will be reduced by your percentage of fault. For example, if you are found to be 20% at fault, you can still recover 80% of your damages. It is important to speak with an attorney to understand the specific laws in your state.
This is one of the most common questions we receive, and the answer is that it depends. Every case is unique, and the value of your claim will be based on a variety of factors, including the severity of your injuries, the amount of your medical bills and lost wages, and the impact the accident has had on your life. An experienced attorney can evaluate your case and give you an estimate of its potential value, but it is impossible to give an exact number at the beginning of the process. Beware of any lawyer who promises you a specific settlement amount.
The more evidence you have, the stronger your case will be. Some of the most important pieces of evidence in a car accident claim include the police report, photos and videos of the accident scene and your injuries, witness statements, and all of your medical records and bills. It is also helpful to keep a journal documenting your pain and suffering and the ways the accident has affected your daily life.
It is best to avoid speaking with the at-fault driver’s insurance company before you have consulted with a lawyer. Insurance adjusters are trained to get you to say things that can be used to devalue or deny your claim. When you hire an attorney, they will handle all communications with the insurance company on your behalf, protecting you from their tactics and ensuring your rights are preserved.
The statute of limitations is the legal deadline by which you must file a lawsuit. This deadline varies by state, and if you miss it, you will lose your right to recover compensation, no matter how strong your case is. It is crucial to consult with an attorney as soon as possible after your accident to ensure you do not miss any important deadlines.
If you are hit by an uninsured or underinsured driver, you may still be able to recover compensation through your own uninsured/underinsured motorist (UM/UIM) coverage. This is an optional coverage that you can add to your own auto insurance policy, and it is designed to protect you in exactly this situation. Your UM/UIM coverage will step in to pay for your damages up to your policy limits. However, filing a UM/UIM claim can be complex, as you are essentially making a claim against your own insurance company, which may be just as reluctant to pay as any other insurer. An experienced attorney can help you navigate this process and maximize your recovery.
Yes, if you have uninsured motorist coverage on your own policy, you can file a claim for a hit-and-run accident. Your insurance company will treat the unknown driver as an uninsured motorist and provide coverage up to your policy limits. It is important to report the hit-and-run to the police immediately and provide as much information as possible, such as a description of the vehicle, license plate number (if you got it), and the direction the driver fled. If the hit-and-run driver is later identified, you may also be able to pursue a claim directly against them.