Coverage & Claims

Will a non-owners policy cover medical for the person I hit after an accident?

A non-owner's policy will have a signed endorsement on it stating the insurer will not cover any claim that results from a vehicle the named insured owns or is registered to. Many will also state if it is part of the household, they will not cover it.

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Coverage & Claims

Will a non-owners policy cover medical for the person I hit after an accident?

A non-owner's policy will have a signed endorsement on it stating the insurer will not cover any claim that results from a vehicle the named insured owns or is registered to. Many will also state if it is part of the household, they will not cover it.

Coverage & Claims

My 4-year-old daughter was in a car accident awhile back with a friend who has car insurance, am I able to still file a claim through her insurance?

You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.

Driving History

If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?

Every state shares all info when it comes to driving records. The speeding ticket will show up on your license when insurance companies run your MVR — which is used as a reference in all 50 states.

Coverage & Claims

If my husband is excluded from his sister's policy, is he still covered as a passenger?

Sorry to hear about your situation. The big question here is this: who was driving the car?

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.

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.
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