I had an accident that I was not sited for but the charge was (over corrected the problem) which occured in the state of Tennessee but my car insurance is in the state I live Georgia. I went over a cliff and have been off work almost a year and still have complications. I wasn't the primary carrier on the policy but my husband is, but I am listed on the policy. I have been told conflicting answers to this question. Please help. Thank you.