What is the meaning of “subrogation” when applied to my automobile insurance?

When your insurance company pays you for a loss caused by another driver may recover the full amount of their payments made from that other party. If the insurance company pays you, you will be required to cooperate with them as they sue the other party. You will have to repay your insurance company any amounts they have paid you if your claim is successful.

Will use of my car in a car pool be covered?

As long as the car pool is not intended as a business operated for profit, insurance protection is not affected.  If you use your car in a typical share-the-ride pool where everyone takes turns driving, or if one person drives all the time and only collects for expenses from the passengers, his or her policy provides regular coverage.  However, car-pooling results in an increased number of passengers in the car, so you should consider increasing your liability limits.

What happens if I’m in an automobile accident and don’t have any insurance?

Tennessee does not require that drivers have insurance, but does require that they be financially responsible for any accidents in which they are at fault.   If a driver without insurance is at fault, that driver must post a bond to protect the injured party or have his driver’s license revoked.   The process of revoking a driver’s license is involved, but anyone can call the Tennessee Department of Safety, Financial Responsibility Section for more information (615/741-5668).

If you or anyone you know has been killed or suffered a personal injury in Tennessee,  contact Nashville personal injury attorney Phillip Miller and the Tennessee personal injury attorneys at Phillip Miller and Associates at (615) 356-2000, or contact our office online here.

One last thing: If you have a question about your coverage, don’t rely on a blog like this, or any other internet site for an answer to a legal question. Every situation is different and this information may not accurately reflect your best choices.

Phillip Miller is a Tennessee Accident Attorney specializing in
Tennessee Auto Accidents, Tennessee Truck Accidents, Tennessee Wrongful Death, and Tennessee Motorcycle Accident cases.

Phillip has an AVVO rating of 10.0 (Superb), has been designated as a “Superlawyer”, and is the President Elect of the Tennessee Association for Justice.

Click Here to Contact Phillip