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Tennessee Insurance Defense Questions & Answers
1 Answer | Asked in Estate Planning, Insurance Bad Faith, Insurance Defense and Probate for Tennessee on
Q: Can my grandpa file a claim against my deceased grandma's estate for our insurance policies?

My grandmother owned life insurance policies on my grandpa and myself. We want to cash them out because they are horrible policies. They were supposed to transfer ownership to my grandpa but never did after we filled out the paperwork. Now they are saying we need all of my grandmother's heirs to... Read more »

Nina Whitehurst
Nina Whitehurst answered on Apr 1, 2020

You did not state this, but it sounds like your grandmother has passed and there are things still in her name, such as these life insurance policies. You should contact a probate attorney to help you with getting those assets retitled. The type of process that will be needed will depend on more... Read more »

1 Answer | Asked in Criminal Law and Insurance Defense for Tennessee on
Q: So I got pulled over in my bfs car on my way to work with no insurance. We then go insurance the next day.

What will happen at court?

Mr. Kent Thomas Jones Esq.
Mr. Kent Thomas Jones Esq. answered on Feb 19, 2020

You could be fined; however, I have found the courts to be friendly to you if you demonstrate that you have acquired insurance when you appear at court.

1 Answer | Asked in Insurance Defense for Tennessee on
Q: Will fire insurance cover some one else's belongings besides the insured? In the state of TN. The insured's son has be

Longins that where in the shed that burnt

Anthony M. Avery
Anthony M. Avery answered on Dec 23, 2019

Initially you must read the insurance contract and the policy declarations. Then I recommend hiring an attorney for assistance in filing the Proof of Loss. This is a public forum.

2 Answers | Asked in Traffic Tickets, Car Accidents and Insurance Defense for Tennessee on
Q: I was in a small wreck just a fender bender a mile from my house, I had no license (Never had them) and no insurance I

Was driving down to our field (a mile and half from my house) our neighborhood hit my car he wasn’t paying attention to the road. I got a ticket for no license and no insurance I did have a 28 year old in the car with me, he told me he didn’t see any reason to arrest me since I was honest and... Read more »

Mr. James Charles Wright
Mr. James Charles Wright answered on Dec 13, 2019

If the accident was the other driver's fault then the fact you didn't have a license is likely not admissible on fault. Who is fault is determined by what happened in the accident. As to the ticket- It is good that you now have your learner's permit and insurance. The fact that you have these... Read more »

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1 Answer | Asked in Car Accidents, Consumer Law and Insurance Defense for Tennessee on
Q: Is there a lawyer that will take my case for theft / unauthorized use of a vehicle?

My daughter stole my car when I was out of town she in fact found my spare key and took my car and wrecked it then she left the scene of an accident I am having a hard time with my insurance as I have stated before she did not have permission and in fact stole my car is there anyone that will take... Read more »

Tim Akpinar
Tim Akpinar answered on Nov 14, 2019

It's up to you, but you could contact an attorney and discuss the matter. Keep in mind that any decisions you make out of anger could haunt your daughter for the rest of her life. Good luck

Tim Akpinar

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I paid an insurance agent to help me with medical insurance.

I received notice that my medical insurance premiums were going to almost double for 2018 even though I had no claims. Hired an insurance agent to help find affordable insurance. She informed us of gov assisted program to help pay insurance and asked us of our income of 2017 which was way lower... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 27, 2019

This is something a Tennessee attorney could answer best because insurance is generally governed by state law. But your post remains open for three weeks. As a general matter, it's difficult to say without seeing all the paperwork, particularly the inclusion of provisions outlining the nature of... Read more »

1 Answer | Asked in Insurance Defense for Tennessee on
Q: What is the policy or law that requires insurance companies, in the state of TN, to pay diminished value?

The insurance company told me "In Tennessee the measure of damages is either repair costs OR the difference in market value immediately before the accident and that immediately after the accident. It is not both. Since you have elected to receive the cost of repairs, then there can be no recovery... Read more »

Tim Akpinar
Tim Akpinar answered on Sep 26, 2019

You must check with a Tennessee attorney as to the statutory authority you describe. However, your question remains open for five weeks. That concept is not exclusive to Tennessee. It is an accepted practice of property damage claims processing virtually nationwide. The carrier pays the collision... Read more »

3 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for Tennessee on
Q: I got in an accident had to go to ER. Car was totaled other person was at fault. I didn’t have insurance at accident.

I didn’t have insurance during the accident and the other insurance company called and said they will not be covering my bills. What do I need to do about this, is there anything I can do?

Mr. James Charles Wright
Mr. James Charles Wright answered on Jul 25, 2019

The other driver's insurance is not required to advance or pay your medical bills at this point. Some adjustors will as a courtesy- but again not required to and often times not done- so don't take that as a reflection that the insurer is denying fault or that the insurer is taking some negative... Read more »

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1 Answer | Asked in Civil Litigation, Criminal Law, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: When your license gets suspended for not being insured Do they revoke all registrations in the vehicle owners possession

I was in an accident and i was uninsured. So i got a ticket and license suspended. Does this on affect the vehicle that was in the accident?Or does that include both of my vehicles?

Leonard Robert Grefseng
Leonard Robert Grefseng answered on Jun 12, 2019

If I understand your question correctly, I think you misunderstand the difference between your LICENSE and the vehicle REGISTRATION. these two things are not the same. Your license is for you only- it is the authorization that you can legally drive a vehicle ( ANY vehicle, even one you don't... Read more »

1 Answer | Asked in Insurance Defense for Tennessee on
Q: I need some help
Tim Akpinar
Tim Akpinar answered on Apr 17, 2019

Part of your question may have gotten left off. You could try to repost it.

Tim Akpinar

1 Answer | Asked in Insurance Defense for Tennessee on
Q: In the state of Tennessee if you have an insurance policy full coverage on financed vehicle it lapses is that insurance

Is Insurance supposed to alert lender for final notice

Anthony M. Avery
Anthony M. Avery answered on Apr 1, 2019

The Insurance Company will usually notify the Lienholder of a Policy lapse. If the Policy is SR-22, then the Insurance Company will probably notify the Department of Safety and everybody else. Usually there is a short grace period.

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: I was involved in accident the guys insurance company is telling me I'm 20% at fault. He got a ticket for the accident.

He was ticketed for straddling lanes and improper lane change. I'm I responsible for getting my vehicle repaired as I'm being given the run around by his insurance company. I was also told I'd be responsible for 20% of a rental or cab fees.

Peter N. Munsing
Peter N. Munsing answered on Dec 16, 2018

This is why you need to contact a lawyer after a crash. This sounds like the usual insurance baloney where they try to say you are 10,20.30% at fault based on---well, it's an "accident" so it's no-one's fault (until they are trying to soak you for contribution).

1. I assume you've had your...
Read more »

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1 Answer | Asked in Civil Litigation and Insurance Defense for Tennessee on
Q: can agent be held responsible for writing up bad life policy

parent had life insurance policy since 80"s and the agent agreed to pay the difference yearly because he wrote policy wrong. he is retired now and said he couldn't due it now. Can he be held accountable

Mr. Kent Thomas Jones Esq.
Mr. Kent Thomas Jones Esq. answered on Nov 1, 2018

That is the most ridiculous thing that I have ever heard of. You need to consult with local counsel immediately.

1 Answer | Asked in Criminal Law and Insurance Defense for Tennessee on
Q: Insurance suspended license

I got pulled over in September of 2017 received a citation for no insurance I missed court date in November but I called the courthouse and told them I would pay my citation at the end of February or the beginning of March I paid the ticket of $239 here it is July 2018 and they suspended my license... Read more »

Anthony M. Avery
Anthony M. Avery answered on Jul 10, 2018

Paying the Citation (ticket) was an admission of guilt. You should have hired a competent attorney. Now you need another attorney to attempt to get the Department of Safety to allow you to drive in Tennessee.

1 Answer | Asked in Real Estate Law, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Is it legal for an insurance company to cancel the homeowners policy because our roof is nearing the end of its life?

We just closed on the home and have gotten several professional opinions in writing that our roof is fine and even has several years left.

Anthony M. Avery
Anthony M. Avery answered on Jun 18, 2018

Your question has nothing to do with real property. Besides the roof condition, you must read your Insurance Policy. That Contract will control your rights. In the mean time find another Carrier now. Non Insurance is a Default under your Deed of Trust. It is very doubtful that after you get... Read more »

1 Answer | Asked in Insurance Defense for Tennessee on
Q: How and to whom do I report auto insurance fraud?

2016 was involved in bumper to bumper collision in a Bridgestone Arena parking lot. Called 911 was told, since in parking lot and no injury just to exchange info and so follow up. No officer was sent. Fast forward to now I find out I was considered at fault, my insurance paid out, and the driver of... Read more »

Mr. Kent Thomas Jones Esq.
Mr. Kent Thomas Jones Esq. answered on Apr 25, 2018

You need to consult with a local attorney in that area of practice to get things staigtened out.

2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Can a insurance company send a summons 2 years after a wreck in 2016 when my insurence company didn’t contact me?

I had a accident in 2016 on a wet road and at fault for sliding across the road into another vehicle. I had insurance at the time and wasn’t notified that I would be in a lawsuit for the car I hit. This lawsuit was sent 2 years later but filed in 2017 4 days from making the accident a year old.... Read more »

Thomas Walter Tucker
Thomas Walter Tucker answered on Mar 27, 2018

If you had car insurance at the time of the accident, contact your insurance company to let them know of the lawsuit. They should protect you pursuant to the policy, which would include an attorney. If you did not have valid car insurance, you are on your own but should consider contacting an... Read more »

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1 Answer | Asked in Personal Injury and Insurance Defense for Tennessee on
Q: I was in an accident in tn. The other driver was at fault. I have no insurance. Will his insurance pay for my damage?

He was at fault, he said so and officer said so. My insurance was cancelled without me knowing. So at the time I had no insurance. Will I get my damages paid for by the other guys insurance

Mr. James Charles Wright
Mr. James Charles Wright answered on Feb 26, 2018

Yes. If the accident was the other driver's fault, and if the other driver had insurance at some point, the other insurer may be liable to pay for your damages.

1 Answer | Asked in Workers' Compensation, Car Accidents and Insurance Defense for Tennessee on
Q: I was involved In a no fault car accident in a company car on my way from a job. Can I sue my employers car insurance

I was involved In a no fault car accident in a company car on my way from a job. The driver who hit me doesn't have insurance. I dont have uninsured motorist insurance. I know Workers comp prevents me from suing my employer. But what about the Insurance company they have for the fleet of vehicles?... Read more »

Peter N. Munsing
Peter N. Munsing answered on Feb 11, 2018

Contact a member of the Tenn Assn for Justice in the county where the wreck happened. They give free consults. If the company car had uninsured motorist that may do it.

2 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: Car was in an accident now the person at faults insurance company refuses to fix damages. What do I do?

I got into an accident no fault of mine. The other persons insurance company looked at my car and is now refusing to pay to have it fixed, or totaled whichever needs to happen. They said due to previous damage, that I was unaware of because when I financed the car, I was given a clean Carfax,... Read more »

Mr. James Charles Wright
Mr. James Charles Wright answered on Oct 19, 2017

You may have to bring a lawsuit against them to make the insurer pay for the damage. You can turn the claim in to your insurer to have the car repaired and your insurer may pursue the other company as well as your deductible.

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