This is the minimum insurance coverage that drivers in Tennessee must have to drive their vehicles legally. When it comes to financial responsibility for losses suffered in a car accident, Tennessee uses a traditional fault-based system. When it comes to the minimum car insurance coverage in the state of Tennessee, the state has specific requirements that you must meet. 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.
Driving your vehicle without car insurance in Tennessee can result in fines, financial or otherwise. As a Tennessee driver, you are legally required to have liability insurance in case you are involved in a car accident. While the state of Tennessee has minimum liability limits for car insurance, a leasing company may have its own set of requirements if you opt for a lease. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs.
In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. Under Tennessee law, there is a one-year statute of limitations for filing your case after suffering an injury in a car accident. Drivers can face fines, loss of driving privileges and jail time for not having insurance or for not showing proof of insurance when needed. With Nationwide, it's easy to customize your policy with affordable options for car insurance in Tennessee.
The cost of car insurance in Tennessee can vary depending on several factors, such as your age, driving history, zip code, type of car you own, credit rating, and other factors. Not having car insurance in many states can make you a high-risk driver when buying car insurance. According to the Tennessee Department of Revenue, uninsured Tennessee drivers face fines and risk losing their vehicle's license plate if they can't prove financial responsibility. This means that you may not be covered for damage or injury to property if you are hit by an underinsured or uninsured motorist, and you don't have an auto insurance policy with full coverage.