I was in a car wreck several months ago. The other driver’s insurance company called me and asked me some questions. I then asked him how much insurance his driver had, but he refused to tell me. He said that in Tennessee I could not find out how much insurance the other driver had, even if I filed a lawsuit. Is that true?
Sometimes an insurance company will voluntarily disclose the amount of coverage it has. However, in the ordinary situation, the only way you can discover how much insurance the other driver has is to win a lawsuit and start the process to collect the money you are due.
Let me add one thing. The amount of insurance does not influence the value of your case. In other words, the value of your case depends on the nature and extent of your injuries, the amount of your medical bills, and many other factors. (Read more on the damages recoverable in personal injury cases in Tennessee here.) The amount of liability insurance is not a factor and in fact the jury is never about the existence, much less the amount, of insurance. The amount of insurance only determines the likelihood of being able to recover the full amount of the damages you sustained. If there is an insufficient amount of insurance available, you will be forced to try to collect the excess from the driver and the trucking company.