When is an insurance company liable for an accident?

In Tennessee, an insurance company is liable for an accident when negligence or fault by the at-fault party can be proven. This means that the at-fault party must have done something wrong that directly caused the accident in order for the insurance company to be liable. This could include many different factors, such as not following the rules of the road, being distracted while driving, or failing to properly maintain their vehicle. In order for the insurance company to be liable, the claimant must provide evidence that the at-fault party was at fault. This could include police reports, witness statements, pictures from the accident scene, or other evidence that would show that the at-fault party was responsible for the accident. In addition, the insurance company must be able to prove that the injury or damage caused by the accident was not covered by any exclusion in the policy. If it can be proven that the injury or damage was a result of an excluded event or occurrence, then the insurance company might not be liable for the accident. Ultimately, when an accident occurs, it is up to the court to determine who was at fault and if the insurance company is liable for the damages. In Tennessee, the court must evaluate the evidence and make a decision about who should be held responsible for the accident.

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