In Tennessee, drivers are required to have insurance. However, not everyone abides by these laws and there are many uninsured drivers on the state’s roads. This can lead to problems when these drivers cause accidents, as the victims of such crashes often shoulder the burden of their own injuries. The unfairness of these situations is arguably made worse when insured drivers are tasked with collecting information relevant to their accidents.

Insurance experts are questioning the impact of a new policy currently under consideration by Memphis officials. The policy would permanently implement a rule that law enforcement officers do not need to respond to minor car accidents. At present, this policy only applies during inclement weather.

Law enforcement and city officials claim that making this a permanent rule would be a better use of officer resources. Critics of this approach claim it will place the burden of collecting insurance information after a crash onto insured drivers. As 14 percent of Tennessee drivers do not have insurance, this may pose a substantial problem.

Officials are still researching their options. They have not ruled out other avenues of reducing the burdens on law enforcement authorities. Reports do not indicate when city officials will make their final decision on the matter.

The victims of uninsured drivers often bear the financial burdens of the accidents. However, these people are not powerless. Speaking with a lawyer may provide these victims with the opportunity to gain compensation through litigation against the uninsured driver. A lawyer may also be able to help obtain a fair settlement from an insured driver’s own insurance company.


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