Those states are Arizona, Mississippi, New Hampshire, North Dakota, Tennessee, Washington and Wisconsin. If you obtain or recover your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured in the policy. However, keep in mind that if Florida is your secondary state, your insurance policy, regardless of where you buy it, must include Florida's minimum mandatory insurance coverage. To get unlicensed car insurance, you must exclude yourself as a driver in the policy and include a licensed family member, friend, or caregiver as the primary driver.
Tennessee auto insurance laws require that all business-owned vehicles be covered by a commercial auto insurance policy that meets the minimum financial responsibility requirements. You can check your insurance status and view examples of notification letters online at Drive Insured Tennessee. Commercial auto insurance is available for drivers who use their car or truck to perform tasks related to their occupation or business, in addition to traveling to work. If the state's online insurance verification system cannot verify a vehicle's insurance coverage, a letter is sent to the vehicle registrant notifying them that they have 30 days to submit proof of auto liability insurance coverage.
If the system cannot confirm coverage for a vehicle, the owner will receive a notice from the Tennessee Department of Revenue and must submit proof of insurance through the Drive Insured Tennessee website. If you drive in the voluntary state, make sure that your car insurance coverage complies with Tennessee car insurance laws. When you take out an auto insurance policy in Tennessee, your insurance company has a legal obligation to provide you with body coverage for uninsured motorists (UM) with the same limits as your BIL coverage. For example, a company car can normally be covered by the same minimum liability requirements as passenger cars.
Commercial auto insurance policies aren't one-size-fits-all, and a variety of commercial coverages are available. While insuring your personal vehicle with the minimum amount of insurance required by Tennessee law will save you money, it could also leave you more financially vulnerable in the event of an accident. Purchasing the minimum amount of insurance required to drive legally in Tennessee will save you money on your insurance premium. Most states allow members of the armed forces to keep their car registration and insurance in the state where they are legally resident.