Tennessee Auto Insurance Company
Reader’s Question:
My wife has a poor driving record and I am wondering if I can do a named motorist exclusion from car policy in Tennessee?
Dan
Nashville-Davidson, TN
Insurance company guidelines differ but you should be able to find an insurance provider in Tennessee that will permit you to exclude your wife from your auto insurance policy if you wish to. When buying, choose the option to not include that motorist on the insurance policy and choose the appropriate exclusion options to get an accurate insurance rate.
Make sure that if you did exclude your wife then none of the coverages under your auto insurance would extend to her in any way if she was to operate the vehicle(s) listed on your insurance policy and cause an accident. So even in an emergency situation she should not operate your vehicles.
Whether family or household or named-driver exclusions are allowed in Tennessee has gone to the courts on various occasions. On the court cases I have read about the courts have found that these types of exclusions in auto liability insurance policies do not violate TN law or public policy.
Nashville SR22 Insurance
Q: I’ve tried a few companies looking for a Nashville SR22 policy, but can’t seem to get insured. Where can I go to buy Nashville SR22 insurance?
A: I can’t give you a concrete answer to where exactly you should go to get Nashville SR22 insurance, since companies in different areas will have different policies, but I can give you a general idea. If you’ve already looked at the usual suspects for car insurance coverage and have come away uninsured, then it would be good strategy for you to start looking among the car insurance companies which are for high risk drivers. Companies like these typically insure people who have cars which are too risky for your average car insurance provider, as well as people who’ve filed several claims or have a lot of traffic tickets. Most of the time, they will also sell Nashville SR22 policies.
Sometimes, of course, for one reason or another, often because you have more problems in addition to needing Nashville SR22 insurance, a car insurance company will deny you. If this happens to you, then you can choose to join the assigned risk pool with the state insurance department, and they will hand you over to a company for a higher price.
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