TDCI shares insurance tips for the back-to-school season

NASHVILLE – Returning to school is an exciting time for both students and parents. As the school year begins statewide, the Tennessee Department of Commerce and Insurance (“TDCI”) is reminding consumers that education doesn’t stop in the classroom. TDCI’s Insurance Department offers insurance tips and reminders to help your back-to-school season run smoothly.

“As a parent of three young children, I know that back to school can be hectic for students, parents and educators alike,” said TDCI Commissioner Carter Lawrence. “During this busy time of year, I encourage Tennessee residents to take a moment and consider our insurance tips that I hope will help keep you safe throughout the year. Individuals with insurance questions should contact our team for assistance.”

Insuring a young driver? Know the facts.

  • If a teenager lives with their parents or legal guardians and does not own the vehicle, the teenager can remain with their parents or legal guardians’ insurance policy.
  • Check current deductibles to determine if the deductible is affordable in the event a person has to pay it. For older vehicles, consider reducing or eliminating physical damage unless a lien holder, e.g. B. a bank, requires this.
  • Increase the deductible and let the teenager drive the oldest vehicle to reduce insurance costs. Contact your licensed insurance agent to learn more.
  • SUVs, convertibles and sports cars often have higher insurance premiums.
  • Several insurance companies offer discounts to students with high GPAs.

What to do in case of a car accident.

Unfortunately, sometimes accidents happen. If a driver is involved in an accident, consider the following tips:

  • If anyone is injured, call 9-1-1 immediately to request an ambulance. Make sure an officer comes to file a police report. This helps the insurance company process the claim.
  • Take photos of the damage to submit once the person has contacted the auto insurance company to begin reporting the damage.
  • Take the car to an auto shop – either one recommended by the insurer or a shop that you prefer.
  • An appraiser will view the vehicle to assess the damage.
  • Car insurance determines how much you have to pay for repairs or in the event of a total loss for a new vehicle.

cover college students.

Even college students who are away from home need to be prepared. Remember:

  • Students can remain in their parents’ health insurance until they are 26 years old.
  • Find a doctor and health care facility in the area that is affiliated with the health insurance plan.
  • Keep car insurance up to date. If the college kid doesn’t drive for a year, take him out of the policy. If the student will be driving, keep them on the guideline.
  • If they have a car, make sure they always have their car insurance card with them or on their mobile device.
  • Homeowners insurance policies may cover a student’s belongings in a dorm, or an apartment may be covered by his or her parents’ homeowners policy. Ask your agent if the policy covers these items.

Insurance claim wrongly denied?

If your family experiences a denial of claim, delayed claim, or dispute resolution, file a complaint at under the “Make a Complaint” section. TDCI’s Consumer Insurance Services team serves as a claims mediator between policyholders and insurers. In 2021, over $8.2 million was returned to Tennesseans through these efforts.

Call 615-741-2218 for insurance questions or more information.

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