Renters Insurance

Who is responsible for carrying sinkhole insurance? The renters or the landlord?

If your parents are renters, they are not responsible for the property — just their own liability and possessions — so it's not required to have sinkhole insurance since that's property-related. The landlord has to maintain safe living conditions for their property.

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Coverage & Claims

If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.

Renters Insurance

How do I dispute a renters insurance claim while I was in prison?

LexisNexis is the company that maintains the insurance claim database. If you are disputing a claim, especially if you're the victim of identity theft and you did not file it, you should contact them about getting it removed.

Coverage & Claims

Should we keep our adult son's car insurance in our name?

Put simply, if your son is on your insurance policy, you can be held liable for the damages he causes. You can put him on his own policy, but the rates will very likely be higher.

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.

Coverage & Claims

Do I need to file a claim if the other driver's insurance is taking care of it?

Since she will be filing a claim, you do not need to file a claim. Her insurance company will be the one that pays for the damages.

Coverage & Claims

Can an insured driver use their insurance to cover an uninsured vehicle after an accident?

No. Car insurance follows the vehicle, not the driver.

Car Insurance Costs
Eligibility

Can my insurance company make me carry insurance on my 20yr son living w/me?

Yes, everyone that lives in your household that is of legal driving age needs to be listed on the policy. The reason is they have access to the car.

Eligibility

How should I handle my daughters' car insurance when they're in college?

While it can vary by your insurer, I would recommend getting your daughters' their own policy and simply paying the bill. Because you own the vehicles, you should be added as the additional interest to the policy.

Coverage & Claims

Is car insurance cheaper if your spouse can't drive?

You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver.

Car Insurance Costs

Does my 20 year old need his own car insurance policy?

Since he lives in Florida, he will need to get his own policy. He is still considered a young driver and Florida requires Personal Injury Protection (PIP) which makes the rates more expensive than Tenessee.
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