In a car accident case, where the plaintiff’s summons to the other driver was returned with a note from the process server stating that the defendant was “avoiding service/said he would not cooperate,” the plaintiff was not entitled to proceed directly against her uninsured motorist insurance carrier.
In Urquia v. Seal, No. W2024-01842-COA-R3-CV (Tenn. Ct. App. Feb. 27, 2026), the plaintiff filed a personal injury suit against the defendant following a car accident. The summons to the defendant was returned, stamped “NOT TO BE FOUND AFTER DILIGENT SEARCH AND INQUIRY.” In addition to this stamp, the process server hand wrote on the summons that the defendant was “avoiding service/ said he would not cooperate.”
The plaintiff did not make any further attempt to serve the defendant. When the one-year statute of limitations on the plaintiff’s claim against the defendant ran, the plaintiff’s uninsured motorist insurance carrier filed a motion for summary judgment, asserting that the plaintiff was “unable to proceed against it directly as the uninsured motorist insurance carrier because the action had not been properly commenced against the uninsured motorist.” After a hearing, the trial court granted summary judgment to the insurance company, and the Court of Appeals affirmed.


