Phantom accidents are a driver’s nightmare

Phantom accidents are about as scary as it sounds. A driver behaves recklessly and puts you in harm’s way without even touching your vehicle. Maybe they caused you to swerve out of your lane, which resulted in you crashing into a pole, tree or ditch. By this point, the driver is long gone. Who is going to deal with this mess?

Miss-and-run accident claims

Fortunately, Tennessee and Mississippi drivers have protection when it comes to phantom accidents, also known as miss-and-runs. If you were injured in this kind of a crash, you can file a claim against your own insurance carrier. This is possible if you opted in for the additional uninsured motorist coverage.

But even with this coverage, insurance companies will sometimes challenge your claims for various reasons, such as:

  • You were inattentive.
  • There is “no second driver.
  • There is no third-party insurance.

While it’s true you have no driver to file against, you still have options.

Filing a claim against your own coverage

It sounds odd, but you can file against your own uninsured motorist coverage. Most people to have this coverage in their insurance policy, but they were unaware or not clearly informed about it. However, your insurance company may decide to deny your reasonable claim by saying the accident didn’t occur or your injuries aren’t severe.

If you are injured in a phantom car accident, your medical bills may be piling up. You might begin to panic and wonder how you are going to deal with the situation. Don’t hesitate to contact an experienced lawyer. You deserve compensation for your injuries, even if the other driver dashed out.

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