Where plaintiff sought to recover against her car insurance company pursuant to uninsured motorist coverage after being in a car accident with an uninsured driver, the trial court’s ruling that plaintiff’s “non-owner” policy did not cover the accident because the car she was driving was “furnished or available for her regular use” was affirmed.
In Medders v. Newby, No. M2020-01094-COA-R3-CV (Tenn. Ct. App. July 6, 2021), plaintiff was driving a Jetta when she was struck by another car. Neither the owner nor the driver of the other car had insurance, so plaintiff served her insurance company in an attempt to recover under uninsured motorist coverage.
Plaintiff did not own the Jetta she was driving at the time of the accident. Plaintiff was engaged to Samuel Todd Tinnin, who worked for a used car company. Mr. Tinnin had his employer purchase the Jetta at an auction in June 2016, and he then bought the car from the employer on July 5, 2016. The accident occurred on July 11, and Plaintiff and Mr. Tinnin were married on July 12, 2016. On that same day, a title to the Jetta was issued in Mr. Tinnin’s name. In his deposition, Mr. Tinnin stated that he bought the car for plaintiff, he intended it to be a wedding present for plaintiff, and that he purchased it for her personal use. Mr. Tinnin changed his testimony at trial and stated that he bought the car with the intention of flipping it, but the trial court did not credit this testimony. Plaintiff began driving the car on July 5.