Tennessee wants all drivers to carry a minimum amount of car insurance. You could face serious consequences driving without it. According to Tennessee state law, you may have to pay fines, surrender your driver’s license and registration, or even serve jail time if you’re caught driving without insurance.
Is it mandatory to have car insurance in Tennessee?
Tennessee drivers must carry the following required minimum car insurance coverages and limits: Bodily injury liability: $25,000 per person and $50,000 per accident. Property damage liability: $15,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident*
Is driving without insurance illegal in TN?
Driving without car insurance in the state of Tennessee is now a Class A misdemeanor if you are involved in an auto accident that results in bodily injury or death. If you are at fault, the penalties of a conviction are: Fines up to $2,500. Jail time for up to 11 months and 29 days.
How much is a ticket for not having insurance in Tennessee?
A minimum $300 fine is now in effect for uninsured Tennessee drivers. Getting caught without proof of auto insurance in Tennessee now costs three times more than it did at the beginning of the week. A new state law that took effect Wednesday ups the minimum fee from $100 to $300 for not carrying proof of auto insurance …
What happens if someone hits you and you don’t have insurance in Tennessee?
If an uninsured driver hits you and you don’t have insurance you’ll most likely have to sue the at fault driver. Tennessee insurance polices include Uninsured Motorist Coverage unless it is specifically denied in writing. … The insurance company will not disclose their liability limits.
Who has the cheapest car insurance in TN?
Find Cheap Auto Insurance Quotes in Tennessee
|Rank||Company||Average annual rate|
|4||Tennessee Farmers Mutual||$450|
Is Tennessee a no pay no play state?
Currently, ten states have no pay, no play laws on the books: Alaska, California, Iowa, Kansas, Louisiana, Michigan, New Jersey, North Dakota, Oklahoma, and Oregon. In other states, no pay, no play laws have been proposed, but have not been enacted.
Can you sue an uninsured driver in Tennessee?
Pursuing Compensation From an Uninsured Tennessee Motorist
If you were hurt in an accident caused by someone who doesn’t have insurance, or enough of it, you can take legal action. A typical solution consists of filing a negligence lawsuit against the uninsured motorist who caused the crash.
What happens if you get caught driving uninsured?
Although driving an uninsured vehicle can result in a ban from driving for up to 28 days, in most cases a first offence will only bring six to eight penalty points and a fine.
What states have no car insurance?
States that don’t require car insurance. The only two states that don’t require car insurance are New Hampshire and Virginia. Drivers in Virginia can pay the state $500 a year in lieu of car insurance, but that cost does not provide coverage in the event of an accident.
What is the fine for driving without a license in Tennessee?
In Tennessee, driving without a license carries a penalty of a $10 fine plus court costs. However, driving on a suspended or revoked license is a more serious offense. It carries the potential penalty of 6 months to a year in jail.
When did car insurance become mandatory in Tennessee?
Tennessee passed a mandatory proof of liability insurance law in 1977. It requires Tennessee drivers to carry minimum levels of liability: $25,000 for one injury or death, $50,000 for all injuries or death, and $15,000 for property damage.
How many points do you get for no car insurance?
Failing to have car insurance can result in six to eight penalty points on your driving licence. These points stay on your driving record for 4 years. You can be disqualified from driving if you have 12 or more penalty points within three years.