If you have never been involved in a lawsuit involving uninsured motorist insurance coverage, you might be surprised to find that the insured individual and their insurance company are in an adversarial relationship in such proceedings. In other words, in an east Tennessee car accident case, to determine the amount due an insured person who has been hurt by the negligence of an uninsured motorist, the injured person is on the opposite side of the lawsuit as his or her insurance company.
Although the case may not be styled in the case of “insured versus insurer,” the reality is that the insurance company is the real defendant in the case because it is the party who will be paying out any monies awarded to the plaintiff. It is possible that the insurance company may eventually recoup some of these funds from the party that caused the crash, but a full recovery is unlikely.
Therefore, the insurance company effectively stands in the shoes of the at-fault, uninsured motorist during the litigation of the case and may assert the same types of defenses that the motorist could have asserted had he or she been present at trial. Of course, the insurance company may have a few defenses of its own, in addition.