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My car insurance lapsed and I had an accident. What do I do now?

Imagine driving through the vibrant streets of Nashville, absorbed in your music and anticipating a peaceful evening at home, when an unexpected turn of events suddenly unfolds—a car accident. Now, imagine that this already daunting scenario is compounded by the realization that your car insurance lapsed. Don’t panic – there are steps you can take to navigate this challenging situation with the help of a Nashville car accident lawyer.

my car insurance lapsed and I had an accident

Understanding the impact of a lapsed insurance policy

When your car insurance lapses, it means there’s a period you were driving uninsured. In Nashville, as in the rest of Tennessee, driving without insurance is risky and against the law.

Without insurance, you’re facing the music solo without the backing of an insurance company to cover damages or medical expenses. You may be personally liable, meaning you could be responsible for any damages or injuries caused. Under Tennessee’s Financial Responsibility Law, this could also lead to penalties such as fines, license suspension, or even jail time, depending on the severity. It’s a harsh tune to follow, but awareness is the first step towards resolution.

Auto insurance requirements in Nashville, TN

In Tennessee, drivers must demonstrate financial responsibility, typically achieved by holding a minimum level of auto liability insurance. This insurance must cover:

  • $25,000 for each injury or death in a single accident.
  • $50,000 for all injuries or fatalities in one accident.
  • $25,000 for property damage per accident.

With the introduction of the state’s Electronic Insurance Verification System, failing to adhere to the Financial Responsibility Law could lead to fines and the suspension of your driving privileges. Ensuring you have adequate insurance is not just a legal obligation; it’s a necessity you can’t overlook.

Immediate steps to take after the accident

  1. Ensure everyone’s safety: Just as a captain would first secure the safety of their crew, your priority should be the well-being of all involved in the accident.
  2. Report the accident: Contact the Nashville police and ask for a copy of the report. This document will be important in insurance negotiations.
  3. Document the scene: Take photos and gather information from witnesses.
  4. Seek legal advice: Consult with a Nashville attorney who understands the nuances of local laws.

Reinstating insurance or securing new coverage

After addressing the immediate aftermath, focus on getting your insurance back in tune. Contact insurance providers to discuss reinstatement options or to secure new coverage. While your rates may increase due to lapses and accidents, having coverage is essential for your legal and financial protection on Nashville’s roads.

Prevention: Keeping your insurance in harmony

Consider setting up automatic payments to ensure your insurance payments are always timely to prevent future lapses. Regularly review your policy to ensure it aligns with your needs and budget.

Hurt in a crash after your insurance lapsed in Nashville? Call us.

Finding yourself in an accident with lapsed insurance is like facing an unexpected solo performance without rehearsal. However, you can confidently navigate the aftermath with the proper steps and guidance. Remember, the worry “my car insurance lapsed and I had an accident” is not the end of your journey. With proactive measures and the support of a car accident attorney in Nashville, you can get back on the road—call Weir & Kestner at 615) 220-4180 or complete our contact form here to learn more.

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