TDCI Shares Insurance Tips for the Back-to-School Season

NASHVILLE -Back to school is an exciting time for students and parents. As the school year winds down in the state, the Tennessee Department of Commerce and Insurance (“TDCI”) reminds consumers that education doesn’t stop in the classroom. TDCI’s Insurance Division offers insurance tips and reminders to help you make the most of your back-to-school season.

“As a parent of three young children, I know that the back-to-school season can be very busy for students, parents, and teachers alike,” said TDCI Commissioner Carter Lawrence. “During this busy time of year, I want to encourage Tennesseans to first consider our insurance tips, which I believe will provide peace of mind throughout the year. People with insurance questions should contact our team for assistance. “

Insurance for a Young Driver? Know the Facts.

  • If a teenager lives with parents or guardians and does not have a car, the teenager can still be covered by the parent’s or sponsor’s insurance.
  • Review the available deductibles to determine if the deductible is affordable, if one needs to pay. For older cars, consider lowering or removing physical damage – unless a lender, such as a bank, wants it.
  • Increase the deductible and get a teenager to drive an older car to help lower insurance costs. Ask a licensed insurance agent for more information.
  • SUVs, convertibles, and sports cars often come with higher insurance premiums.
  • Several insurance companies offer discounts to students with the highest grades.

What to Do in a Car Accident.

Unfortunately, sometimes accidents happen. If the driver is involved in an accident, remember these tips:

  • If someone is injured, call 9-1-1 immediately to request an ambulance. Make sure a police officer comes to file a police report. This helps the insurance company to meet their requirements.
  • Take photos of the damage to provide as soon as the person contacts the car insurance company to start applying.
  • Take the car to an auto repair shop—whether it’s an insurance company or your favorite shop.
  • The repairman will inspect the vehicle for damage.
  • The car insurance company will determine how much to pay for a repair or, in case of loss, a new car.

Covering College Students.

College students away from home also need to prepare. Remember:

  • Students can stay on their parents’ health insurance until they turn 26.
  • Find doctors and hospitals in your area that are online with your health plan.
  • Keep up-to-date car insurance policies. If a college student can’t drive for a year, remove them from the program. If the student drives a car, keep it on schedule.
  • If they have a car, make sure they always keep their car insurance card or on their mobile device.
  • Homeowner’s insurance can cover a student’s belongings in a dormitory or apartment that may be required by his or her parents’ landlord’s policy. Ask your provider if the policy covers these things.

Unfairly Denied Insurance Application?

If your family is denied, delayed, or disagreed with, submit a complaint to, entitled “The Complaint File.” TDCI’s Consumer Insurance Services Group mediates between policyholders and insurers. In 2021, more than $8.2 million was returned to Tennesseans as a result.

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