Knoxville, TN asked in Car Accidents, Insurance Defense and Personal Injury for Tennessee

Q: I got in an accident had to go to ER. Car was totaled other person was at fault. I didn’t have insurance at accident.

I didn’t have insurance during the accident and the other insurance company called and said they will not be covering my bills. What do I need to do about this, is there anything I can do?

3 Lawyer Answers
Anthony M. Avery
Anthony M. Avery
PREMIUM
Answered
  • Knoxville, TN
  • Licensed in Tennessee

A: Very obviously you need to call a Personal Injury Attorney. Call someone today as you only have a 1 year SOL to file suit. Also preserve whatever evidence you have of the wreck such as pictures, accident report, medical records.

Mr. James Charles Wright
Mr. James Charles Wright
Answered
  • Personal Injury Lawyer
  • Knoxville, TN
  • Licensed in Tennessee

A: The other driver's insurance is not required to advance or pay your medical bills at this point. Some adjustors will as a courtesy- but again not required to and often times not done- so don't take that as a reflection that the insurer is denying fault or that the insurer is taking some negative action towards you. As to fault- you can normally find out how the insurer considers fault as to how the insurer is handling - or not handling the property damage (although sometimes insurers will pay property damage while still contesting liability. In any event, since you didn't have insurance something will need to be worked out on the bills - so you will likely need to contact an attorney to protect your interests. I hope you recover well.

Peter N. Munsing
Peter N. Munsing
PREMIUM
Answered
  • Personal Injury Lawyer
  • Wyomissing, PA

A: If you have bills and were out of work, apply for Medical Assistance. Worst is they deny you. Plus is in some states it is retroactive so it may capture some of your bills. Contact a member of the Tenn Assn for Justice--they give free consults.

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