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Aged, Blind and Disabled Manual Policy Manual Number: 110.050 Section: Financial Eligibility Requirements Chapter: ABD Countable and Excluded Resources

September 1, 2026 Division of TennCare 52 Vehicle

Resource Type 1. Vehicle Types

Vehicle includes cars, trucks, motorcycles, campers, motor homes, aircraft, snowmobiles, watercraft, boats and all-terrain vehicles (ATVs).

2. Determining Ownership

Accept the individual’s sworn statement regarding motor vehicle ownership. If ownership is questionable, the following are acceptable verifications:

• Vehicle registration; • Bill of sale; or • Title (individual named on title is the undisputed owner).

3. CMV

The CMV value of a vehicle is the average price that particular year, make, model and condition will sell for on the open market in the particular geographical area involved.

Use the average loan value in a current Kelley Blue Book (KBB) to establish the CMV of a car or truck. If the vehicle is not listed in the Kelley Blue Book, request estimates of the vehicle’s market value from two reputable dealers. Use the higher estimate to value the vehicle and make note of both estimates in Case Notes.

Contact a reputable dealer to obtain an estimate of the value of other types of vehicles, such as campers, motorcycles, etc. Document contact and estimate in Case Notes.

The individual can substantiate a lower value be submitting written statements of the vehicle’s value by from two reputable dealers.