Harris v. HaynesAnnotate this Case
While on duty, Dennis Harris, a patrolman with the Anderson County Sheriff’s Department, was struck by a pickup truck driven by Mickey Haynes. Harris received workers’ compensation benefits for his injuries. Harris and his wife (together, Plaintiffs) sued Haynes and Richard Furrow, neither of whom were insured. Plaintiffs also made a claim against Tennessee Risk Management Trust (TRMT), Anderson County’s motor vehicle liability coverage provider, for uninsured motorist coverage. The trial court granted summary judgment for TRMT. The Court of Appeals affirmed, concluding (1) TRMT was a “risk pool” and not an insurance policy, and therefore, the general statute relating to uninsured motorist coverage in liability insurance policies did not apply to the coverage document issued to Anderson County; and (2) therefore, under the terms of the coverage document, Harris was excluded from uninsured motorist coverage as an employee and a person who received workers’ compensation benefits. The Supreme Court affirmed, holding that because the coverage document TRMT issued to the County specifically excluded employees and those who receive workers’ compensation benefits from uninsured motorist coverage, and because TRMT was not otherwise required to offer such coverage, Plaintiffs could not recover from TRMT.