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Sevierville Legal Blog

Tennessee Auto Insurance Declarations Page Explained

If you have recently been in a car wreck it's important to understand the different types of coverage you have available under your Tennessee Auto Insurance Policy. Either you've paid for insurance for years and now you finally need to use it, or you want to know about the insurance for the person who caused the wreck and your personal injuries. Most injury victims involved in a car wreck think there are two types of auto insurance: liability insurance or "full coverage." But what is full coverage, exactly? It's actually not even a thing. It's a made-up phrase that refers to a combination of different types of insurance coverage.

During the Holidays, Slips and Falls Don't Just Happen on Ice

After making your list of gifts to purchase and checking it twice, you may set out to visit a variety of shopping centers and retail outlets in Tennessee. While you might be fully prepared to make your way through crowded parking lots and busy stores, being aware of the potential hazards that may await you can be challenging.

As you enter each store, you may expect to have an uneventful shopping experience free of safety hazards. With the hustle and bustle of holiday shopping all around, it may prove difficult for store owners and managers to keep floors and stairways dry and free of clutter, but it may also be essential to your safety as a consumer.

I Am Getting Pulled Over, What Do I Do?

You are cruising down the road, probably speeding as an estimated seventy-five percent of Americans do, when you are suddenly pulled away from texting, mobile gaming, or using social media on your phone as the wail of sirens and the flash of blue lights in your rearview mirror jolts you back into reality. Being optimistic as most of us are, you change lanes to allow the officer to speed past you in pursuit of some unlucky soul who has committed a traffic offense. Today, however, that unlucky soul is you. You might be impaired by drugs or alcohol, you might be a law-abiding citizen who has done nothing wrong, or you might have eight hundred pounds of marijuana concealed in the cabinetry of your RV that you have driven all the way from Texas and are now ten miles from your destination. From attempting to outrun the officer to recording traffic stops on their mobile phones while yelling at the officer the entire time, everyone seems to handle these situations differently. But no matter what is going on inside your vehicle, there are some rules that every East Tennessee driver should follow that might help you sidestep being charged with DUI, a drug offense, or some other felony charge that could have been avoided. The first of these is pretty obvious:

DO NOT Throw Anything Out of Your Car

Uninsured/Underinsured Insurance Coverage in Tennessee

Everyone tells you to make sure you get the other driver's insurance information when you're involved in a car accident. What happens when the other driver doesn't have insurance? More importantly, what if the other driver is at fault and you suffer significant property damage or injury to your person as a result? How will you get the compensation you deserve? Tennessee ranks sixth in the nation for uninsured drivers , an estimated 20 percent of drivers are uninsured in Tennessee, meaning it is entirely possible that you could be involved in a collision with an uninsured motorist. It is important for all Tennessee drivers to understand what their options are in this situation.

The State's financial responsibility law, T.C.A. 55-12-102(12), mandates Tennessee drivers have $25,000/$50,000 auto insurance coverage. If you and your family are hit by a driver with only minimum limits, the maximum their insurance carrier has to pay is $25,000.00 for one person and $50,000 for everyone hurt in the accident. This means if you are involved in an accident with a driver who only has minimum limits, the maximum amount all individuals injured in your vehicle combined can recover, regardless of the extent of the injuries, medical bills, lost wages, pain and suffering, scarring, etc. is $50,000.

Attorney Adrienne Waters Ogle Named "Top 40 Under 40" Plaintiff Lawyer in Tennessee

Nov. 1, 2018
For Immediate Release

SEVIERVILLE, TENN. -- Attorney Adrienne Waters Ogle Named "Top 40 Under 40" Plaintiff Lawyer in Tennessee

The Law Office of Green, Waters Ogle and McCarter announces partner Adrienne Waters Ogle is named as one of Tennessee's top young attorneys. The National Trial Lawyers selected Adrienne for its inclusion into its list of "Top 40 Under 40" Civil Plaintiff Trial Lawyers in Tennessee, an honor given to a select group of lawyers for their superior skills and qualifications in the legal field.

This award is limited to 40 attorneys in Tennessee under 40 years old who have demonstrated excellence and achievement in obtaining outstanding results in their careers in Civil Plaintiff litigation.

Is Distracted Driving Really That Big of a Problem?

Distracted driving has been around as long as there have been automobiles. People eat, drink, look at maps and engage in any manner of activities other than driving and paying attention to the road. Knowing this begs the question of why is it so much more prevalent and dangerous now than in the past?

For one thing, there are many more vehicles on the roadways these days. Speed limits are faster, attention spans are shorter, and many people use electronic devices while behind the wheel.

5 Tricks Insurance Companies Use After a Car Accident

A Tennessee traffic accident can bring life as you know it to a halt, at least temporarily. While your focus may be on your recovery from your injuries and getting your family back on track, you will not be able to help worrying about the bills, car repairs and medical expenses piling up while you are out of work. You are really counting on the insurance claim to help your family through the tough times.

You want to be certain you obtain the maximum amount of benefits you deserve. However, it is the job of the insurance adjuster to pay as little as possible for your car accident claim. For this reason, you will want to be aware of the tactics an adjuster may use to trick you into jeopardizing your claim.

Should You Consider Mediating Your Divorce Settlement?

The end of a marriage is complex, and it will bring several significant changes to your life. Tennessee readers may have concerns about what will happen to their relationship with their children and their finances, but there are ways to approach the divorce process that allow you to have more control over the details of your final divorce settlement.

Mediation is a process of negotiation and discussions, and many couples employ this option as a way to reach a more peaceful and workable divorce. This choice will allow you to avoid litigation and stay out of the courtroom. For you, the option of mediating your divorce could offer you a better way to walk through the end of your marriage.

Drink by Drink, How Alcohol Makes Driving Dangerous

Often, after a drunk driver causes a terrible accident, they say that they chose to drive because they did not "feel drunk." They insist that, since they had only one drink (or two, or three...), they had no idea that they were impaired.

It only takes one drink for your body and mind to start being affected by alcohol. The blood-alcohol limit in Tennessee is .08 percent, which most people reach after a couple of drinks.

Six Most Common Causes of Auto Accidents

Driving fatalities are on the rise in recent years. One well-known culprit is the cell phone. Distracted driving causes nearly nine deaths each day in the US. To make matters worse, the National Safety Council named Tennessee as the having the most cell phone fatalities in the country in early 2017.

Distracted driving is a serious problem, but it's not the only mistakes drivers make on the road. Slate has published an in-depth look at driver habit and skill to identify six issues that cause most US accidents.

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