Nashville, TN asked in Car Accidents and Criminal Law for Tennessee

Q: In a car accident, can I provide my own insurance if the car owner was not insured? I unknowingly drove an uninsured car

I am an INSURED driver, but I borrowed a friend’s car for one day when my husband was using ours. I was not aware that my friends car was uninsured! I caused a fender bender and the officer asked me to provide insurance. After calling my friend, I learned he didn’t have any. Now I must appear in court because I didn’t show proof of his insurance, but could this court hearing have been avoided if I just showed them my own insurance at the scene?? Can I show mine in court? What’s the worst that could happen? (The lady I bumped went to the hospital with whiplash but there was no damage to her car). This was a first-time offense for me, and I would not have borrowed the car if I knew it wasn’t insured.

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2 Lawyer Answers
Anthony M. Avery
Anthony M. Avery
PREMIUM
Answered
  • Criminal Law Lawyer
  • Knoxville, TN
  • Licensed in Tennessee

A: Read your own Insurance Policy. See if it insures you driving another's car. If it does, then make a Claim on your Policy and provide the same to the Prosecutor at Court. If not, be prepared to become financially responsible to protect your TNDL.

Mr. James Charles Wright
Mr. James Charles Wright
Answered
  • Personal Injury Lawyer
  • Knoxville, TN
  • Licensed in Tennessee

A: You may be covered driving another's car - for instance if the vehicle is a temporary substitute vehicle for yours while it was not operable. Also if you have comprehensive coverage you may also have coverage for driving another's car. Your agent should be able to tell you - and you should be able to tell from your policy.

And yes if you have coverage then showing that you had insurance would be helpful in court.

In any event check with your insurer / insurance agent. And report this claim as well. Read your policy.

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