Yes, Tennessee requires that all drivers have a minimum level of car insurance. You can face serious consequences if you drive without one. If you are caught driving without insurance in Tennessee, you may have to pay fines, turn in your driver's license and registration, or possibly face jail time. Learn more about when you might need a car accident lawyer and what to expect from your first meeting with a car accident lawyer.
The easiest way to find cheap car insurance in Tennessee is to compare quotes from several providers online. For more information or to get a free quote on commercial auto insurance in Tennessee, call 1-877-GO-DIRECT (1-877-463-473) or visit a Direct Auto branch near you. If you drive in the voluntary state, make sure that your car insurance coverage complies with Tennessee car insurance laws. By purchasing the minimum amount of insurance required to drive legally in Tennessee, you'll save money on your insurance premium.
For example, if you have a car accident while driving a friend's vehicle, the primary source of compensation would be your friend's car insurance coverage, not your own. 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. Commercial auto insurance policies aren't one-size-fits-all, and a variety of commercial coverages are available. Knowing the rules and regulations that govern car insurance in Tennessee will help protect you in the unfortunate event of a car accident.
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. If you were injured in a car accident in Tennessee, you may need more than just the basic rules of car insurance. 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. Under Tennessee insurance laws, auto insurers must offer uninsured motorcyclists body coverage for uninsured motorists with the same limits as their liability coverage for bodily injury.
In addition to taking out auto liability insurance in accordance with state minimums, Tennessee vehicle owners can deposit a cash deposit or bond in the required amount, or demonstrate that they qualify as self-insurers under state law. You can find more information about car insurance rules and requirements on the State Department of Revenue's Drive Insured Tennessee portal.