General Insurance

In Tennessee can not at fault driver be blamed if they didn't have insurance?

The other party would not be responsible for the damages. They can be ticketed and have their license suspended but you can still be found at fault.

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Coverage & Claims

Is fault shared when backing out of a parking spot?

Typically, the car that was backing out would be considered at fault. Every situation can be different and you may be both considered at fault.

Coverage & Claims

Can police determine fault after an accident?

The insurance companies determine fault when it filing a claim. Here is more information on what steps to take when filing a claim. You will need to contact your insurance company and the other parties insurance company as soon as possible to get the claims process started.

Coverage & Claims

Does being 50% or 80% at fault make a difference when it comes to insurance rates?

No. The percentage that you were at fault will not make a difference in how your insurance rates are impacted.

Coverage & Claims

Who pays for damage I caused while using a company vehicle on company time

Unfortunately, fault can only be determined by claims adjuster personally assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at-fault then the company's insurance would take cover the damages.

Coverage & Claims

My car was hit at a stop sign

Sorry to hear you were in an accident. How you file your claim can depend on if there are any injuries or if it is just damage to your car. For most car insurance policies, the only time you would file a bodily injury claim is when you are not at fault in an accident, meaning the other person caused you to sustain injuries requiring medical attention.

General Insurance

Someone hit my partially opened door in a parking space

This can be a tricky situation. Although we're both licensed insurance professionals, only a claims adjuster would able to handle this so that is where I would take my question.

Coverage & Claims

Someone backed car into me who is at fault

Sorry to hear you were in an accident. First, the only people who can determine fault in an accident are insurance companies through their insurance adjusters.

General Insurance

Can an insurance agent ask a driver if they have a disability if they think it may have contributed to a car accident?

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

Coverage & Claims

If my son was involved in an accident while driving my car, do I file a claim with his insurance company or mine?

Fault is actually determined by the insurance company based on the specifics of the crash. Auto insurance coverage generally follows the vehicle, but if you don't actually insure the car then he would need to file a claim with his insurance provider.

Coverage & Claims

Can I file a claim with the "At fault" insurance company and have the repair check made out in my name if the car isn't registered to me?

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.
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