ÿWPCÅ& …# VUNa %¯ 0 (µw@Ý4 1 UP@ 0l 0Dü @ 0JH 0T’ 0^æ 0hD 0r¬ 0| 0†š 0 1u° 0d% D3‰ B¼ 0@ÙU>U6WB)DC¶ AMùU*Fpœ€2PNžg¤Ä v~ÏvÓM AO %Æo% 0D5& D/y& B¨&˜HP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀÌÀääÀÀÌ0 (ÈhH  Z ‹6Times New Roman RegularX($¡¡ g[h[iDjkDlmnoDpÓ€·‚^!úÿÿú, ú3|x{&@FÐZ ‹8CaslonOpnface BT Regular((3üÝ$¤¤Ý ƒ!ÝÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô"#$% ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ++++'ÿÿdxd d("ÿÿ$££Ò  ÒÒ  Ò< Œ 9p`(&Times New Roman< Œ 9p`(Courier New% Line 7 d33337Border 1dd€-4Cþÿ << Gÿÿ< Œ 9p`(Arial Ý ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÔ€6ÔÔ€6ÔÓ  ÓÔ YYY ÔFILEDÔ€6XÔÌÌò òNovember€22,€1996ÌÌCecil€Crowson,€Jr.ÌÔ€6ôÔAppellate€Court€Clerkó ó ’Ý ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔThe€trial€court€directed€the€entry€of€a€final€judgment€as€to€theÏplaintiffsðð€complaint€against€Tennessee€Farmers,€pursuant€to€Rule€54.02,€Tenn.ÏR.€Civ.€P.€€This€appeal€is€only€as€to€that€part€of€this€litigation.Ì (Ý ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔFor€the€purpose€of€this€appeal,€the€parties€apparently€concede€that€theÏindividual€defendants€are€uninsured.Ì FÝ ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔThe€Poseys€argue€that€their€agent€read€about€the€accident€in€aÏnewspaper,€the€òòOneida€Weeklyóó;€however,€there€is€no€evidence€to€support€theirÏassertion€that€an€agent€of€the€company€knew€that€the€Poseysðð€son€was€involvedÏin€an€accident€covered€by€the€policy€in€question.€€In€the€absence€of€suchÏevidence,€we€do€not€find€it€necessary€to€address€the€significance€of€such€aÏfactual€scenario.Ì üÝ ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔThe€Poseys€argue€in€their€brief€that€they€ð ðcannot€be€found€to€haveÏviolated€some€contractual€provision€which€is€not€in€evidence.ðð€€It€is€trueÏthat€their€policy€was€not€made€a€part€of€the€record€until€January€11,€1995,Ïsome€12€days€after€the€motion€for€summary€judgment€was€argued€on€December€30,Ï1994.€€It€is€also€true€that€we€can€only€consider€matters€that€were€before€theÏtrial€court.€€Rule€56,€Tenn.€R.€Civ.€P.;€ò òòòReeves€v.€Thompsonó óóó,€490€S.W.2dÏ525,€527€(Tenn.€1973).€€However,€the€order€granting€summary€judgment€was€notÏentered€until€March€9,€1995,€long€after€the€policy€was€filed.€€That€orderÏrecites,€among€other€things,€that€ð ðthe€policy€.€.€.€requires€notice€as€soon€asÏpossible€of€a€claim€under€the€policy.ðð€€It€is€clear€the€policy€was€before€theÏtrial€court€when€it€formally€awarded€summary€judgment.Ì ]Ý ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔThe€child€lived€with€her€mother€in€Mississippi€for€two€years€prior€toÏthe€accident.€€They€had€moved€back€to€Scott€County€shortly€before€StevenÏPosey›ððs€death.Ì ºÝ ƒ!ÝÑ#€d#ÑÔ€1ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝÔ€2ÔÔ€2ôÔTennessee€Farmers€points€out€that€there€is€no€mention€of€the€daughterÏin€the€complaint.€€We€do€not€find€this€omission€significant€to€the€resolutionÏof€this€case.€€The€parents€of€Steven€Landis›€had€the€right€to€pursue€this€suitÏunder€T.C.A.€ðð€20„5„106.ÌPtPtHHøHÿöÿòV,(ühhØ hd'0ÿÎÿºF ® Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  BA Op Geneva ÒÒ  BA Op Geneva Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€1ÔÝ  ÝÑ P ÑÔ€2ÔÑ\R AØ'\Ñ›Ñ7€%-XXdìdÈ7ÑÑ  Ñà@ àIN€THE€COURT€OF€APPEALS€OF€TENNESSEEÌÌÌÌÌLANDIS€POSEY€and€DIXIE€POSEY,à à€€€)€C/A€NO.€03A01„9603„CV„00080Ìas€Administrators€of€the€Estate€€)€SCOTT€COUNTY€CIRCUIT€COURTÌÙ€€ÙœßL€574;+'h|` Å `€€Lß›of€LANDIS€STEVEN€POSEY,à àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àà àPlaintiffs„Appellants,€)Ìà àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìv.à àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌTROY€D.€WILLIAMS,à àà àà à€€€)ÌœDeWILLIS›€WILLIAMS€andà àà à€€€)ÌJERRY€L.€GRAY,à àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àà àDefendants,à àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìandà àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)Ìà àà àà àà àà àà à€€€)ÌTENNESSEE€FARMERS€MUTUALà àà à€€€)ÌINSURANCE€COMPANY,€Unnamedà à€€€)ÌUninsured€Motorist€Carrier,à à€€€)Ìà àà àà àà àà àà à€€€)€HONORABLE€CONRAD€œTROUTMAN›,Ìà àà àDefendant„Appellee.à à€€€)€JUDGEÌÌÌÌFor€Appellantsà àà àà àà àà àFor€AppelleeÌÌHARRY€œWIERSEMA›,€JR.à àà àà àà àSTEPHEN€A.€œMARCUM›ÌKnoxville,€Tennesseeà àà àà àP.€EDWARD€œPRATT›Ìà àà àà àà àà àà àà àMICHAEL€E.€œJENNE›Ìà àà àà àà àà àà àà àBaker,€œDonelson›,€œBearman›Ìà àà àà àà àà àà àà à€&€CaldwellÌà àà àà àà àà àà àà àHuntsville,€TennesseeÌÌÌÌÌÌà@ àÔ€ ÔÔ€  ÔO€P€I€N€I€O€NÔ€2ÔÔ€2XÔÌÌÌÌAFFIRMED€AND€REMANDEDà àà àà àà àà àà àœSusano›,€J.ÇÓÓà àà àThis€case€presents€a€question€of€coverage€under€theÏuninsured€motorist€provisions€of€an€automobile€insurance€policyÏissued€by€Tennessee€Farmers€Mutual€Insurance€Company€(TennesseeÏFarmers)€to€Landis€Posey€and€his€wife,€Dixie€Posey€(collectivelyÏreferred€to€as€ð ðthe€Poseysðð).€€The€Poseys,€as€administrators€ofÏthe€estate€of€their€son,€Landis€Steven€Posey€(Steven€Posey),€filedÏa€tort€action€against€three€individuals€for€the€wrongful€death€ofÏtheir€son.€€Process€was€served€on€Tennessee€Farmers€pursuant€toÏthe€Tennessee€uninsured€motor€vehicle€statutes,€T.C.A.€ðð€56„7„1201,€et€seq.€€The€trial€court€granted€Tennessee€Farmersðð€motionÏfor€summary€œjudgment€because€it€found€from€the€undisputed€factsÏthat€the€plaintiffs€had€failed€to€give€Tennessee€Farmers€timelyÏnotice€of€the€automobile€accident€in€which€their€son€sustainedÏfatal€injuries.›€€The€plaintiffs€appealed.€€They€argue€that€summaryÏjudgment€was€improperly€granted€to€Tennessee€Farmers.× ƒ8 ××  ×€€We€affirm.ÌÌà@ àIÌÌà àà àOn€June€3,€1992,€Steven€Posey€was€traveling€as€aÏpassenger€in€an€automobile€owned€by€the€defendant€œDeWillis›ÍWilliams€and€being€driven€at€the€time€by€his€son,€the€defendantÏTroy€D.€Williams,€when€their€vehicle€collided€with€a€vehicleÏdriven€by€the€defendant€Jerry€L.€Gray.€€Steven€Posey€wasÏcritically€injured.€€He€died€the€same€day.ÌÌà àà àThe€deceased€was€30€years€old€at€the€time€of€theÏautomobile€accident€that€took€his€life.€€He€had€been€residing€withÏhis€parents.€€For€the€limited€purpose€of€this€summary€judgmentÏmotion,€Tennessee€Farmers€concedes€that€he€was€an€additionalÏinsured€under€his€parentsðð€insurance€policy.× ƒ9 ××  ×ÌÌà àà àOn€May€27,€1993,€seven€days€short€of€the€one„yearÏanniversary€of€the€accident,€Landis€Posey€notified€TennesseeÏFarmers€of€his€sonððs€accident€and€death,€and€inquired€as€toÏwhether€their€policy€afforded€any€coverage€for€their€sonððs€death.€ÏTennessee€Farmers€denied€coverage,€claiming€it€had€not€receivedÍtimely€notice€of€the€accident.œ× ƒ: ××  ×›ÌÌà@ àIIÌÌà àà àOn€this€appeal,€we€must€decide€anew€if€the€trial€courtððsÏgrant€of€summary€judgment€is€appropriate.€€ò òòòœCowden›€v.€œSovran›ÏBank/Central€Southó óóó,€816€S.W.2d€741,€744€(Tenn.€1991);€ò òòòMansfieldÏv.€Colonial€Freight€œSys›ó óóó.,€862€S.W.2d€527,€530€(Tenn.€œApp›.Ï1993).€€Since€our€inquiry€presents€us€with€a€question€of€law,€theÏjudgment€of€the€trial€court€comes€to€us€unaccompanied€by€aÏpresumption€of€correctness.€€ò òòòGonzales€v.€œAlman›€ConstructionÏCoó óóó.,€857€S.W.2d€42,€44€(Tenn.€œApp›.€1993).ÌÌà àà àThe€burden€rests€on€Tennessee€Farmers€to€show€that€it€isÏð ðentitled€to€a€judgment€as€a€matter€of€law€based€on€the€undisputedÏfacts.ðð€€òòò òœWilkins›€v.€Third€National€Bank€in€Nashvilleó óóó,€884ÏS.W.2d€758,€761€(Tenn.€œApp›.€1994).€€If€there€is€any€doubtÏregarding€its€entitlement€to€a€judgment€at€this€preliminary€stageÍof€the€proceedings,€the€motion€must€be€denied.€€òòò òByrd€v.€Halló óóó,€847ÏS.W.2d€208,€216€(Tenn.€1993).ÌÌà@ àIIIÌÌà àà àThe€policy× ƒ; ××  ×€issued€to€the€Poseys€contains€the€followingÏprovisions€relevant€to€the€issue€before€us:ÌÌÓÓà àà8 àA€person€or€entity€seeking€coverage€must€giveÏus€written€notice€of€the€accident€or€loss€asÏsoon€as€reasonably€possible.€€The€notice€mustÏstate:ÌÌà àà8 à1.€€name,€address€and€telephone€number€of€theÏperson€or€entity€seeking€coverage;€andÌà àà8 à2.€€the€names€and€addresses€of€all€personsÏinvolved;€andÌà àà8 à3.€€the€names€and€addresses€of€all€witnesses;ÏandÌà àà8 à4.€€facts€of€the€accident€or€loss,€includingÏthe€hour,€date,€and€place.ÌÌà@ à*€€€€*€€€€*€€€€*ÌÌà àà8 à.€.€.€persons€and€entities€seeking€coverageÏunder€Uninsured€Motorist€Coverage€must:ÌÌà àà8 à1.€€notify€us€as€soon€as€possible€of€theirÏintention€to€seek€such€coverage;€.€.€.ÌÌÌÌÓÓThe€Poseys€acknowledge€that€the€first€contact€either€of€them€hadÏwith€Tennessee€Farmers€œfollowing€the€June€3,€1992,€accident€was›ÏMr.€Poseyððs€notification€and€inquiry€to€the€company€on€May€27,Ïœ1993.›ÌÌà àà àIn€ò òòòLee€v.€Leeó óóó,€732€S.W.2d€275€(Tenn.€1987),€œa€caseÏinvolving€uninsured€motorist€coverage,€the›€Supreme€CourtÏinterpreted€notice€provisions€conceptually€identical€to€the€one€atÏissue€in€this€œcase.€€The›€court€held€that€such€provisions€requireÏð ðnotice€within€a€reasonable€time€under€the€circumstances€of€theÏcase.ðð€€òòIdóó.€at€276.€€The€court€further€expounded€on€theÏrequirement€by€holding€that€such€provisionsÌÌÓÓà àà8 à.€.€.€œimpos[e›]€a€duty€on€an€insured€to€giveÏnotice€when€he€becomes,€or€should€become€awareÏof,€facts€which€would€suggest€to€a€reasonablyÏprudent€person€that€the€event€for€whichÏcoverage€is€sought€might€reasonably€beÏexpected€to€produce€a€claim€against€theÏinsurer.ÌÌÌÌÓÓòòIdóó.ÌÌà àà àThe€òòò òLeeó óóó€case€also€addresses€those€situations€where€aÏclaimant€argues€that€he€or€she€did€not€know,€until€shortly€beforeÏgiving€notice,€that€a€policy€of€insurance€existed€providingÏuninsured€motorist€œcoverage;›€or€did€not€know€that€the€allegedÏœtortfeasors›€were€uninsured:ÌÌÓÓà àà8 à.€.€.€it€is€.€.€.€a€general€rule€that€in€orderÏfor€ignorance€of€coverage€to€excuse€an€insuredÏor€additional€insured€from€following€theÏprocedures€set€out€in€an€insurance€policy,€itÏmust€be€shown€that€the€claimant€exercised€dueÏdiligence€and€reasonable€care€in€ascertainingÏthat€there€was€coverage€under€the€policy.ÌÌÌÌÓÓòòIdóó.€€The€Supreme€Court€in€ò òòòLeeóóó ó€also€held€that€ð ð[œw]here›€the€factsÏand€inferences€are€undisputed€that€notice€was€not€given€within€theÏtime€required€by€the€policy,€the€reasonableness€of€the€delayÏbecomes€a€question€of€law€for€the€court.ðð€€òòIdóó.ÌÌà àà àIt€is€clear,€and€Tennessee€œFarmers›€does€not€attempt€toÏargue€to€the€contrary,€that€the€deceased€was€never€in€a€positionÏto€give€the€required€notice.€€He€was€immediately€in€extremis.€€HeÏdied€the€day€of€the€accident.€€The€question€before€us€is€whetherÍthe€administrators,€as€named€œinsureds›€in€the€policy,€gave€ð ðnoticeÏof€the€accident€.€.€.€as€soon€as€reasonably€possibleðð€with€respectÏto€the€claim€asserted€by€them€in€their€representative€capacityÏunder€the€uninsured€motorist€insurance€coverage€afforded€by€theÏpolicy.ÌÌà àà àObviously,€the€Poseys€were€aware€of€the€fact€that€theyÏwere€covered€by€an€automobile€insurance€policy.€€They€are€chargedÏwith€knowledge€of€its€provisions.€€òòSee€ò òGiles€v.€Allstate€œIns›.ÏCo.,€Inc.,ó óóó€871€œS.W.2d›€154,€156€(Tenn.€œApp›.€1993);€òòò òœDeFord›€v.ÏNational€Life€&€Accident€œIns›.€Co.,ó óóó€185€œS.W.2d›€617,€621€(Tenn.Ï1945).ÌÌà@ àIVÌÌà àà àWe€think€that€under€the€totality€of€the€circumstances€inÏthis€case,€the€Poseys,€as€named€œinsureds›,€failed€to€give€TennesseeÏFarmers€timely€notice€of€the€accident€that€led€to€the€claimÏasserted€in€this€case.€€In€so€holding,€we€fully€recognize€thatÏtheir€claim€is€being€asserted€solely€in€their€representativeÏcapacity.€€We€are€comfortable€in€this€holding€even€though€theÏrecord€is€silent€as€to€when€they€qualified€to€administer€theirÍsonððs€estate.€€In€this€particular€case,€we€do€not€believe€the€dateÏof€qualification€is€a€critical€fact.ÌÌà àà àSteven€Posey€was€living€with€his€parents€when€heÏgraduated€from€high€school€in€1980.€€For€the€most€part,€heÏcontinued€to€live€with€them€until€he€went€into€the€Air€Force,€aÏyear€and€a€half€after€graduation.€€During€this€pre„inductionÏperiod,€he€married€Michelle€Van€Hook.€€They€were€married€for€aboutÏa€year€before€he€was€inducted€into€the€service.€€During€this€year,Ïhe€and€his€wife€lived€with€the€Poseys,€except€for€a€week€or€soÏwhen€they€resided€elsewhere.ÌÌà àà àSteven€Posey€was€divorced€while€serving€in€the€AirÏForce.€€He€was€discharged€in€1984€and€returned€to€Tennessee.€€HeÏresumed€living€with€his€parents.€€From€then€until€his€fatalÏaccident€on€June€3,€1992,€he€lived€in€their€residence.ÌÌà àà àThe€Poseys€partially€supported€their€son€during€theÏentire€time€he€lived€with€them€following€his€graduation€from€highÏschool,€both€before€and€after€his€Air€Force€service.€€He€neverÏcontributed€rent,€food€or€utilities.€€He€worked€sporadically.ÌÌà àà àSteven€Posey€was€survived€by€an€eight„year€old€daughter.€ÏWhen€he€had€his€child€for€weekend€visitation„„about€three€weekendsÏa€month„„she€stayed€with€him€at€the€Poseysðð€house.× ƒ< ××  ×ÌÌà àà àThe€record€reflects€that€Landis€Posey€talked€to€anÏattorney€about€the€accident€ð ðright€after€it€first€happened.ðð€€WhenÏasked€why€he€did€not€notify€Tennessee€Farmers€at€an€earlier€timeÏhe€replied,€ð ðI€canððt€answer€that.ðð€€Mrs.€Posey€was€also€unable€toÏgive€an€explanation€for€the€long€delay.ÌÌà àà àThe€Poseys€acknowledge€that€they€did€nothing€toÏdetermine€whether€the€individual€defendants€named€as€œtortfeasors›Ïin€this€case€had€liability€insurance€covering€the€accident.ÌÌà@ àVÌÌà àà àThe€type€of€notice€at€issue€in€this€case€has€beenÏlabeled€by€the€courts€of€this€state€as€ð ða€vital€and€indispensableÏcondition€precedent€to€recovery€under€the€policy.ðð€€òòò òHartfordÏAccident€and€Indemnity€Co.€v.€œCreasy›ó óóó,€530€S.W.2d€778,€779Í(Tenn.€1975).€€ð ðThe€general€purpose€of€a€notice€provision€is€toÏmake€the€insurer€aware€that€a€claim€may€be€forthcoming€and€provideÏan€adequate€opportunity€for€investigation.ðð€€òòò òAllstate€InsuranceÏCo.€v.€Fitzgeraldó óóó,€743€F.€œSupp›.€539,€542€(W.D.€Tenn.€1990).€€IfÏnotice€is€not€timely€given,€ð ðthere€need€not€be€any€showing€ofÏprejudice.ðð€€òòò òHartford€Accidentó óóó,€530€S.W.2d€at€779.ÌÌà àà àParticularly€pertinent€to€the€facts€of€this€case€is€theÏfollowing€language€of€the€Supreme€Court€in€the€ò òòòHartford€Accidentóóó óÏcase:ÌÌÓÓà àà8 àThe€burden€of€offering€an€explanation€orÏexcuse€for€failure€to€give€notice€must€restÏheavily€upon€the€insured€since€he€seeks€reliefÏfrom€the€plain€terms€of€a€contract€ofÏinsurance€coverage.ÌÌÌÌÓÓòòIdóó.€at€780.€€Also€pertinent€here€is€this€courtððs€decision€in€òòò òNorthÏRiver€œIns›.€Co.€v.€Johnsonó óóó,€757€S.W.2d€334€(Tenn.€œApp›.€1988):ÌÌÓÓà àà8 à.€.€.€whether€the€facts€establish€a€reasonableÏbasis€for€late€notice€is€determined€by€all€theÏòòsurrounding€circumstancesóó.ÌÌÌÌòòIdóó.€at€335.€€(Emphasis€added).ÌÌÌÌÓÓà àà àIt€is€clear€that€a€delay€of€11€months,€withoutÏreasonable€explanation,€does€not€satisfy€a€policy€requirement€thatÏnotice€of€an€accident€be€given€to€the€insurer€ð ðas€soon€asÏreasonably€possible.ðð€€The€question€of€law€for€us€is€whether€theÏdelay€in€the€instant€case€was€reasonable.ÌÌà àà àThe€Poseys€are€the€named€œinsureds›€in€the€policy€inÏquestion.€€Shortly€after€the€accident,€they€contacted€an€attorneyÏregarding€their€sonððs€accident.€€They€apparently€recognized€that,Ïas€a€practical€matter,€it€would€fall€to€them€to€look€after€theirÏsonððs€affairs€following€his€death.€€He€was€not€married€at€the€timeÏand€had€no€adult€children.€€Except€for€the€time€he€was€in€theÏservice,€he€had€lived€practically€all€of€his€life€with€the€Poseys.€ÏThey€contributed€significantly€to€his€support€even€though€he€wasÏno€longer€a€minor.ÌÌà àà àThe€Poseys€seem€to€argue€that€they€had€no€fiduciaryÏresponsibilities€to€their€sonððs€estate,€including€the€obligationÏto€give€notice€to€Tennessee€Farmers,€until€they€qualified.€€Hence,Ïthey€argue€that€the€failure€of€the€movant€to€show€the€date€ofÏtheir€qualification€is€fatally€defective€to€their€motion.€€TheyÍalso€argue€that€this€wrongful€death€action€is€not€being€pursuedÏfor€the€Poseysðð€benefit,€but€rather€for€the€benefit€of€their€sonððsÏminor€daughter.œ× ƒ= ××  ×›€€They€conclude€from€this€that€we€must€decide€theÏissue€of€the€reasonableness€of€the€delay€from€the€perspective€ofÏthe€minor€daughter.ÌÌà àà àThe€issue€before€us€is€not€whether€the€minor€daughterÏshould€have€been€required€to€give€earlier€notice€of€the€accident.€ÏFurthermore,€we€do€not€focus€on€the€Poseysðð€responsibilities€asÏadministrators€or€when€those€responsibilities€first€arose.€€ThoseÏare€not€the€issues.€€The€question€is€whether€these€insuredÏindividuals,€who€undertook€to€handle€their€deceased€sonððs€affairsÏshortly€after€his€accident€and€death,€gave€notice€to€TennesseeÏFarmers€ð ðas€soon€as€reasonably€possibleðð€as€to€the€claim€laterÏpursued€by€them€in€their€representative€capacity€in€this€case.€ÏFurthermore,€these€œinsureds›/administrators€cannot„„and€apparentlyÏdo€not„„claim€ð ðignorance€of€coverage.ðð€€They€were€the€namedÏinsured„„they€are€charged€with€knowledge€of€the€noticeÏrequirement.€€Since€they€apparently€did€òònothingóó€to€determineÍwhether€the€œtortfeasors›€had€liability€insurance€covering€thisÏaccident,€they€cannot€claim€that€they€ð ðexercised€due€diligence€andÏreasonable€care€in€ascertainingðð€whether€the€uninsured€motoristÏcoverage€of€the€Tennessee€Farmerððs€policy€applied€to€thisÏaccident.€€òòSee€ò òLeeó óóó,€732€œS.W.2d›€at€276.ÌÌà àà àThe€Poseys€rely€upon€òòò òœMcKimm›€v.€Belló óóó,€790€œS.W.2d›€526Ï(Tenn.€1990)€to€support€their€position€that€timely€notice€wasÏgiven€in€the€instant€case.€€The€òòò òœMcKimm›ó óóó€case€is€factually€differentÏfrom€this€case.€€In€òòò òœMcKimm›ó óóó,€the€plaintiffs€had€good€reason€toÏbelieve€the€party€causing€the€accident€had€liability€insurance.€ÏWithin€four€days€of€ascertaining€that€the€defendant€was€withoutÏcoverage€on€the€day€of€the€accident,€the€plaintiffsðð€attorneyÏadvised€the€carrier€of€his€clientsðð€potential€uninsured€motoristÏclaim.ÌÌà àà àThe€plaintiffs€also€rely€œon€the›€òòò òHartford€œAccidentÏó óóócase,òòò ò€ó ósupraóó,›€œ›œand›€òòò òœBolin›€v.€Tennessee€Farmers€Mutual€œIns›.€Co.óóó ó,Ï614€œS.W.2d›€566€(Tenn.€1981)€to€excuse€the€delay€in€giving€noticeÏin€the€instant€case.€€œOn€the€issue€of€excusable€neglect,€those›Ïcases€are€factually€distinguishable€from€the€case€at€bar.ÌÌà àà àTennessee€Farmers€is€entitled€to€summary€judgmentÏbecause€we€find,€as€a€matter€of€law,€that€the€plaintiffsðð€delay€inÏgiving€notice€was€not€reasonable€under€the€totality€of€theÏcircumstances€of€the€undisputed€facts€before€us.ÌÌà àà àThe€judgment€of€the€trial€court€is€affirmed.€€Costs€onÏappeal€are€taxed€to€the€appellants.€€This€case€is€remanded€to€theÏtrial€court€for€the€collection€of€costs€assessed€below,€pursuantÏto€applicable€law.ÌÌÌÓÓà àà àà àà àà àà à_________________________________Ìà àà àà àà àà àà àCharles€D.€œSusano›,€Jr.,€J.ÌÌÌCONCUR:ÌÌÌÌ_____________________________ÌHouston€M.€œGoddard›,€J.ÌÌÌÌ_____________________________ÌDon€T.€œMcMurray›,€J.