The following section from Day on Torts Leading Cases in Tennessee Tort Law​​​ is out of date and should not be used. It remains a part of this site for historical purposes only. An updated version of the book is available by subscription at (Additional information below.)

§49.16A Uninsured Motorist Cases - Statutory Arbitration Procedures

The Case: Nelson v. Nelson , 409 S.W.3d 629 (Tenn. Ct. App. 2013).

The Basic Facts: Plaintiff sued defendant for injuries related to a car accident in Chattanooga. Plaintiff was a resident of Texas, and his insurance policy at issue here was delivered at his home in Texas. Plaintiff moved to compel arbitration pursuant to the UM coverage provisions in Tenn. Code Ann. § 56-7-1206, which the trial court granted but the Court of Appeals overturned.

The Bottom Line:

  • “As discussed above, the UM statutes explicitly state that they apply to automobile insurance policies ‘delivered, issued for delivery or renewed in [Tennessee].’ Tenn. Code. Ann. § 56-7-1201(a). Further, Tenn. Code. Ann. § 56-7-1206, which contains the arbitration provision at issue in this case, makes clear that it applies to an ‘insured intending to rely on the coverage required by this part. ’ (Emphasis added.) The statutes are clear and unambiguous. By restricting its provisions to Tennessee policies, it follows that the substantive provisions dealing with arbitration would not apply to the policies issued by Republic and GEICO, which were issued and delivered in Texas.” 409 S.W.3d at 632.
  • “Our state courts have held that an automobile insurance policy which was not issued nor delivered in Tennessee is not a Tennessee contract, and thus is not controlled by Tennessee law. See Burns v. Aetna Cas. & Sur. Co., 741 S.W.2d 318 (Tenn. 1987); Fleet v. Bussell, No. E2003–02788–COA–R3–CV, 2004 WL 1933131 (Tenn. Ct. App. E.S., filed Aug. 31, 2004).” Id.
  • “In this case, Plaintiff was a resident of Texas, and the insurance policies in question were issued and delivered in Texas. Based on both the plain wording of the statute, and the case law set forth above, it is clear to the Court that the arbitration provisions of the Tennessee UM statutes do not apply in this case.” Id.

After an accident, many injury victims and their families want more information on the accident and their legal rights. Consequently, many of them have found their way to these pages. While we are happy you are here, please understand Day on Torts: Leading Cases in Tennessee Tort Law was written to be a quick, invaluable reference for Tennessee tort lawyers. While the book provides the leading case for more than 300 tort law subjects and thousands of related case citations, it is not a substitute for personalized legal advice from a qualified lawyer.

Rather than researching these legal issues alone, we urge you to contact one of our award-winning lawyers who can sit down with you, review your case, answer your questions and clearly explain your rights and your options in a no-cost, no-obligation consultation. Our experienced attorneys handle all personal injury and wrongful death cases on a contingency basis, so we only get paid if we win. If for any reason you are unable to come to our office, we will gladly come to you.

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The foregoing is an excerpt from Day on Torts: Leading Cases in Tennessee Tort Law, published by John A. Day, Civil Trial Specialist, Fellow in the American College of Trial Lawyers, recipient of Best Lawyers in America recognition, Martindale-Hubbell AV® Preeminent™ rated attorney, and Top 100 Tennessee Mid-South Super Lawyers designee. Read John’s full bio here.

The book is now available electronically by subscription at The new format allows us to keep the book current as new opinions are released. BirdDog Law also has John's Tennessee Law of Civil Trial and Compendium of Tennessee Tort Reform Statutes available by subscription, as well as multiple free resources to help Tennessee lawyers serve their clients

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