In Martin v. Powers, No. M2014-00647-SC-R11-CV (Tenn. Oct. 24, 2016), the Tennessee Supreme Court analyzed the issue of whether a rental car being driven by a renter qualified as an “uninsured motor vehicle” under the plaintiff’s car insurance policy.
Plaintiff owned a bar, and he refused to serve alcohol to the defendant. When plaintiff followed defendant out to the parking lot, defendant got into a rental car that he had rented from Enterprise and intentionally drove into plaintiff, causing a knee injury.
During the course of the litigation, plaintiff “served [his insurance] with a copy of the summons and complaint for the purpose of bringing a claim under his uninsured motorist coverage.” The insurance company argued that Enterprise was a self-insurer under certain Tennessee statutes, and that the accident thus “did not arise out of the ownership or use of an uninsured vehicle.” The trial court granted the insurance company’s motion for summary judgment, but the Supreme Court reversed.


