Tennessee requires that all drivers have a minimum amount of car insurance. You could face serious consequences for driving without it. Under Tennessee state law, you may have to pay fines, turn in your driver's license and registration, or even serve time in jail if you're caught driving without insurance. Usually, the auto insurance company will help you cover representation if you are sued as a result of an accident, but you will have to pay for the representation yourself if you don't have car insurance.
Not only could you have to pay fees and fines and have your driver's license suspended, but you could also pay out of pocket for injuries and property damage if you drive in Tennessee without car insurance and cause an accident. According to the Insurance Information Institute, 24 percent of Tennessee drivers don't have minimum liability insurance. Tennessee drivers must meet the state's auto insurance requirements before hitting the road or they will face fines, fines, and even jail time. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Tennessee drivers must have a minimum amount of liability insurance for each vehicle they own. If you don't have car insurance, then you don't have a policy of your own to put yourself in the shoes of the at-fault driver. The person who caused the car accident is responsible for the damages regardless of whether they have insurance. But even beyond the legal consequences, not having an auto insurance policy with sufficient coverage could have devastating financial consequences if a car accident is caused.
Bankrate's insurance editorial team explains how much car insurance you need to drive legally in Tennessee and what could happen if you drive without it. In addition, driving without car insurance in the state of Tennessee is a class A misdemeanor if you are involved in a car accident that results in bodily injury or death. Many insurance experts recommend taking out car insurance with full coverage to better protect your finances in the event of an accident. The state will suspend your license and car registration until you provide proof of financial responsibility or insurance.
If you're more than 50% at fault for an uninsured car accident, expect to pay out of pocket for the other driver's damages and your own losses. Keep in mind that the minimum car insurance requirements for driving legally in Tennessee will not cover any damage to your own vehicle and that the limits of liability required by the state may not be high enough to cover damage to the vehicle or injuries suffered by another person if you cause an accident.
Leave Reply