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Tennessee Insurance Defense Questions & Answers
1 Answer | Asked in Health Care Law, Insurance Defense and Social Security for Tennessee on
Q: How do I secure Health Insurance for my toddler child who has yet to receive a social security # or birth cert?

- She was a home birth

-I have a notarized affidavit of birth

- I have applied by mail for a social security card over 7 months ago with no response.

- I have gone to the TN hall of records to apply in person but they were unable to help me at the time with out a “well... View More

James L. Arrasmith
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answered on Aug 6, 2023

Consultation with a Tennessee attorney or local agency specializing in these matters would be advisable to understand the specific requirements and expedite the process given your child's immediate medical needs.

Sincerely,

James L. Arrasmith

Founder and Chief Legal...
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1 Answer | Asked in Civil Rights and Insurance Defense for Tennessee on
Q: what is the penalty for a courts failure to appoint a guardian adlightum for a minor with infant? /
Anthony M. Avery
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answered on Jul 17, 2023

That is the Court's prerogative. The minor can file a request for a rehearing or even an appeal, but was the motion made? The minor apparently either needs an attorney or represent himself.

1 Answer | Asked in Insurance Defense for Tennessee on
Q: My home owners is canceling my policy because I had two claims 6 months apart. I have had this insurance approximate 4y

Is that legal. Its paid.

Anthony M. Avery
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answered on Jan 31, 2023

If a denial of claim is asserted, then you might consider an Insurance Bad Faith Refusal Action.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Tennessee on
Q: My homeowners Insurance company whom we’ve been with for 30 years recently sent us a cancellation letter due to 4 claims

Our first claim was due to under ground pipe burst. We had to move out of our home for 6 weeks. During that time our house was vandalised once and broken into 2. We would like to remain with our insurance company instead of being cancelled.

Bennett James Wills
Bennett James Wills
answered on Jul 20, 2022

Check the terms of your policy. That will tell you whether they can cancel. It may be time to find another company.

1 Answer | Asked in Civil Litigation, Insurance Bad Faith and Insurance Defense for Tennessee on
Q: How do I recover lost wages, damages, rental and have them cited for no insurance and driving without a license?

A car with Mississippi auto dealer tags was uninsured with unlicensed 15 year old driver...driving who backed out of their driveway into our car that we bought the day before! They were not given any citations from officers. The damages to our car est. 13,050. Our uninsured motorist policy has... View More

Bennett James Wills
Bennett James Wills
answered on Oct 28, 2020

If your insurance does not cover the whole amount of damages you'll have to file a lawsuit against the driver/parents to try and recover a judgment for damages. But you can't force the police to issue citations.

1 Answer | Asked in Insurance Defense and Traffic Tickets for Tennessee on
Q: Can I receive a ticket and be charged for not having insurance if the initial stop was for a non moving violation

example: tail light was out

Anthony M. Avery
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answered on Sep 21, 2020

Absolutely... LEO's can execute a legal stop for any Rule of the Road Violation they witness. Then other Charges may follow.

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... View More

Nina Whitehurst
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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... View 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
Mr. Kent Thomas Jones
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
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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... View 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... View 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... View 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... View 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... View 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... View 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... View 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... View 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... View 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
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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....
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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
Mr. Kent Thomas Jones
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... View More

Anthony M. Avery
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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.

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