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Can I Bring an Uninsured Motorist Claim in a Road Debris Accident?

Have you ever been driving down the road when a piece of debris seems to appear out of nowhere, giving you no time to avoid it or even slow down? Road debris can be hard to dodge and can cause major damage to your vehicle and even injury to you.

You may be Wondering if You Can Bring an Uninsured Motorist Claim When Your Vehicle is Damaged by Road Debris

Unfortunately, no. Under Tennessee’s Uninsured Motorist statute, uninsured motorist insurance will not cover damage caused by an unknown person, especially when that person is not a motorist.

If road debris causes damage to your vehicle and you suspect you know how it got there, it may seem like you should be able to file an uninsured motorist claim. Some even argue that a road debris accident is comparable to a hit-and-run because the person who left behind the road debris left the scene just as a motorist who leave the scene of an accident.

But if you can’t prove by “clear and convincing evidence” who left the debris behind, your only option is to file a collision claim which means you will be considered at-fault by your insurance. Uninsured motorist insurance is only intended for accidents caused by other known motorists.

If you’ve been injured in a car accident, it’s important to speak with an experienced attorney as soon as possible. Put the Lawyers of Brown & Roberto to work for you today by calling (865) 691-2777 or by visiting our site.

Client Reviews
★★★★★
"We tried to go through the insurance company ourselves, but they basically just laughed at us. So I got in touch with The Lawyers of Brown & Roberto. The insurance company's attitude really changed, and within a week we had our car replaced and rehabilitation going for my wife. The Lawyers of Brown & Roberto stuck in there and fought for us." J. Felver
★★★★★
"Had it not been for The Lawyers of Brown & Roberto, I would be in a mess. I would not have been able to handle the paper work or things that would have been required to stand in a court of law myself. They got the most that I could have gotten for any injury that I had. I was more than pleased with the settlement. They handled my case promptly and very professionally." D. Blakeman
★★★★★
"I would recommend The Lawyers of Brown & Roberto because they are for the client. They are extremely tough when they go to court, they keep you well informed, and they treat you as a person. They are extremely good attorneys. They changed my life. They helped my life because they believed in me. They fought for me. I thank God for them." C. Scarbrough