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TENNESSEE
CHOICE OF LAW
Choice of Law | Admission of Extrinsic Evidence | Insurer Allocation | Pre-Tender Fees | Statute of Limitations |
---|---|---|---|---|
Lex loci contractus | Facts set forth in the pleadings alone | If one claim is potentially covered, must defend entire suit | Not Addressed | 6 years |
In re Estate of Davis, 184 S.W.3d 231, 234 (Tenn. Ct. App. 2004) | Appel Corp. v. St. Paul Fire & Marine Ins. Co., 930 S.W.2d 550, 553 (Tenn. Ct. App. 1996) | American Indem. Co. v. Sears, 195 F.2d 353, 356 (6th Cir. 1952) | (Tenn. Code Ann. § 28-3-109) |
Pre-Judgment Interest | Late Notice | Public Policy Bar | Independent Counsel | Atty's Fees/Decl. Relief Action |
---|---|---|---|---|
10% | Notice-prejudice | Bar to indemnity and defense | Insurer has right to choose even if in-house counsel | Recoverable |
(Tenn. Code Ann. § 47-14-103) | Alcazar v. Hayes, 982 S.W.2d 845, 856 (Tenn. 1998) | Stepp v. Hill, 1993 Tenn. App. LEXIS 380, at *7 (Tenn. Ct. App. May 28, 1993) | In re Petition of Youngblood, 895 S.W.2d 322, 328-29 (Tenn. 1995) | Reliance Ins. Co. v. WSN Leasing, Inc., 1997 Tenn. App. LEXIS 492, at *8 (Tenn. Ct. App. July 16, 1997) |
"Tennessee courts excuse even extreme delay in providing notice in cases where the insured reasonably believed there would be no liability on the policy or could not have notified the insurer because he did not know of the policy or was not at fault for not having discovered coverage sooner."