The Tennessee Financial Responsibility Act requires that you be financially responsible in the event of a car accident. Unless you qualify for an exemption, the easiest way to meet your financial responsibility requirement under state law is to be covered by an auto liability insurance policy. To find the best auto insurance company for you, it can be helpful to determine what your personal coverage needs are and what you value most in an insurance company. UM can protect you and other drivers insured in your policy if you are injured in a hit and run accident or in a car accident with an at-fault driver who doesn't have adequate insurance coverage to pay for your medical expenses.
If you drive in the voluntary state, make sure that your car insurance coverage complies with Tennessee car insurance laws. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. 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.
You can check your insurance status and view examples of notification letters online at Drive Insured Tennessee. If you're looking for the cheapest car insurance company in Tennessee, your best bet may be to compare personalized quotes from several providers. 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. Not having car insurance in many states can make you a high-risk driver when buying car insurance.
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. For example, a company car can normally be covered by the same minimum liability requirements as passenger cars. This coverage covers the costs of repairing your own car after an accident with a driver who doesn't have enough liability insurance or completely lacks coverage. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. 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.