Will I be covered if involved in an automobile accident while driving someone else’s car?

If the car and owner are uninsured, your policy would apply as long as you had permission to be driving the car. If the owner of the car has coverage, then your responsibility for injuries and damages to other automobiles and their drivers will generally be covered by the insurance company that insures that car and owner.

Can my son or daughter, covered under my policy drive someone else’s car and still be covered by my policy?

Yes, but the policy associated with that car or vehicle is primary and your coverage may not be involved.  As long as he or she has permission to drive the vehicle then they will be covered by that car’s policy. If there is a discrepancy or issue about permission to drive the car then your coverage would apply.

What should I do if I have an automobile or motorcycle accident?

You should immediately report it to the police and your insurance company, no matter how slight or minor the incident is. Both parties involved should receive from each other the name, addresses, license number, plate number, insurer, date and time of accident and the names and addresses of any witnesses. Make sure to notify your insurance company before you authorize repairs to your car.

If you or anyone you know has been killed or suffered a personal injury in Tennessee, please 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.

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.

One last thing: If you are hurt and have any questions at all, contact our office at (615) 356-2000. Don’t delay. Cases involving personal injury or death in Tennessee must be acted on quickly. Time is running. Call for an appointment, if it’s bad enough that you need to read this far into a website blog, it’s bad enough to get an attorney involved.

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