Tennessee Auto Insurance Quotes

If you're tired of searching for a good deal on Tennessee auto insurance coverage, you've found the right place for your needs. Before purchasing an auto insurance policy, you can research the insurance laws in Tennessee and determine what coverage is required and what coverage is optional. Once you determine what your policy needs to include, you can request insurance quotes from several carriers that are licensed to provide auto insurance coverage to Tennessee drivers.

Tennessee Liability Insurance Requirements

Like most other states, Tennessee requires that all motorists maintain liability insurance coverage on all vehicles registered in the state.  Drivers may choose to meet certain minimums or to purchase a combined policy.  The individual limits for liability insurance coverage in Tennessee are $25,000 for bodily injuries for one person in one accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage per accident.  Tennessee does not require motorists to purchase personal injury protection or uninsured motorist coverage.

Tennessee's Tort System

Some states use the no-fault system to determine financial responsibility after an accident, but Tennessee is not one of them.  Instead, Tennessee uses the tort system for determining who must pay auto accident expenses.  Drivers who are at fault for their accidents are responsible for paying expenses and may also be civilly sued for lost wages and medical expenses.

Tennessee Proof of Insurance 

You must provide proof of auto insurance if you are in an accident or if you are stopped for a traffic violation.  This proof can be provided in the form of a current insurance ID card, insurance binder, or policy declaration page.  If you have posted a cash deposit or bond in lieu of purchasing liability insurance, a certificate showing that you have posted the proper amount is required.  If you cannot provide proof of insurance, you may be penalized in the form of fines or license suspension.

Penalties for Failure to Maintain Coverage

If you are convicted of driving without insurance, you will have a Class C misdemeanor on your record and will have you face several penalties.  These penalties include license suspension, a fine of no more than $100, and a notation on your driving record that will prevent you from renewing your vehicle registration.  These penalties can cost you a lot of money and interrupt your life.  The best way to avoid them is to maintain the required coverage on your vehicle and carry proof of insurance with you at all times.