If someone asked you about your insurance coverage, what would you say? Many people would simply reply, "Yes, I have coverage," or "No, I don't have any right now." Those in the "Yes" contingent would probably consider the matter settled, not giving any thought to exactly what "having insurance" actually means. How much liability coverage do you have? Is your uninsured/underinsured motorist coverage the same amount as your liability coverage? Who exactly is covered under your policy? Under which circumstances? A Tennessee family was faced with these and other questions when their house sitter (whom they described as a "close family friend") used their vehicle to go pick up a friend and was involved in a fatal accident on the way back. Read More