Frequently Asked Questions
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Frequently Asked Questions
- Can I keep the car insurance I have from my previous state of residence?
- Tennessee residents who have recently moved from another state to Tennessee may have existing auto insurance coverage from their previous states. In this event, drivers should contact their auto insurance company and inquire as to their transfer policy. It may be possible to switch the coverage over to Tennessee if the company has coverage within the state. Otherwise, drivers must cancel the existing coverage and apply for car insurance in Tennessee.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- Do I need to cancel my insurance if I am moving to another state?
- Tennessee drivers with car insurance in the state who are moving to another state will have to check with their auto insurance company to see if they need to get car insurance in the state they are moving to or if they can transfer their existing car insurance. To find out whether or not getting car insurance in the new state is advisable, contact the current auto insurance company at the number provided on the policy documentation. Additionally, contact the auto insurance division of the Department of Transportation in the state that the driver will be moving to.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- How can I avoid a license suspension if I choose not to insure my vehicle?
- Tennessee state law requires all licensed drivers operating motor vehicles to have minimum liability in the form of personal injury, death and property damage coverage. Drivers stopped by law enforcement officials or involved in an accident and cannot supply proof of insurance will be assessed a $100 fine. In addition, their drivers license will be suspended until they meet the requirements to reinstate it (fees may vary). Drivers assessed a license suspension due to lack of car insurance must pay the fine and provide proof they have obtained insurance for cars that they are driving.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- If I have been in an accident, what property damage do I have to report?
- Tennessee residents who have been in an accident are required to provide proof of insurance for cars and report any property damage when the accident has resulted in any injuries, deaths or property damage over $400. Drivers can report an accident by contacting the Tennessee DOS, or filling out a Tennessee Owner/Driver Report and submitting it by mail to the DOS. Drivers can provide proof of insurance in the form of an insurance ID card, insurance binder or a declaration page from the insurance company detailing the policy.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- If I live outside of the state for half the year, am I still required to have car insurance?
- All licensed drivers in Tennessee who are operating vehicles for any amount of time are required to have minimum liability insurance that covers bodily injury, death and property damage. Drivers found to be lacking the minimum insurance requirements will be assessed a fine and have their driver s licenses suspended until they meet the minimum requirements for reinstatement. In addition, their car registration will be placed on hold, which prohibits drivers from renewing car registration until their driver s license is reinstated.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- What is the minimum liability insurance coverage?
- In Tennessee, drivers must meet minimum liability insurance requirements to operate motor vehicle within the state. Minimum limits of liability in Tennessee include bodily injury and death liability for one person in the amount of $25,000, bodily injury and death liability for two persons in the amount of $50,000 and property damage liability in the amount of $15,000. Drivers found to be operating a vehicle without the minimum liability requirements will have their license suspended until they meet the requirements to reinstate it based on financial responsibility regulations.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- What proof of insurance can I provide when registering my car?
- Tennessee residents with driver s licenses who operate motor vehicles in the area must provide proof of insurance when stopped by law enforcement officials or when involved in an accident. Minimum liability requirements in Tennessee include bodily injury, death and property damage coverage. Failure to get car insurance or provide proof of insurance when necessary can result in a $100 fine and license suspension. Acceptable proofs of insurance include:
- Auto insurance ID card
- Auto insurance binder
- Declaration page detailing auto insurance policy
For more information: Tennessee Auto Insurance – Get a Quote and Save
- What type of car insurance am I required to have?
- Tennessee residents who own motor vehicles and possess a driver s license must get car insurance based on the minimum liability requirements in the state. Minimum limits of liability in the state include:
- $25,000 for one injury or death
- $50,000 for all injuries or deaths
- $15,000 for property damage due to an accident
Drivers should make sure to have evidence of insurance for cars on them at all times while driving. Evidence can be in the form of an insurance card, binder or declaration page with details of the car insurance policy. To get car insurance, research the various car insurance companies in Tennessee and choose the one with the best rate.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- What will happen if I fail to get or keep car insurance?
- Tennessee drivers are required by state law to have minimum liability coverage when operating a motor vehicle within the state. Drivers who do not get car insurance with the minimum liability requirements in the state will be charged a $100 fine and have their license suspended (fees may vary). Additionally, a STOP will be placed on the driver s car registration so that a renewal cannot be processed until the driver s license suspension is removed. To remove suspensions, drivers will have to pay the fine and submit proof of financial responsibility.
For more information: Tennessee Auto Insurance – Get a Quote and Save
- Which types of vehicles need to be insured?
- In Tennessee, all motor vehicles that require a license to drive also require drivers to get car insurance. Minimum financial responsibility regulations in Tennessee require drivers to have minimum bodily injury, death and property damage liability at all times while operating a motor vehicle in the state. Failure to meet financial responsibility requirements in Tennessee comes with a Class C misdemeanor charge that results in both a $100 fine and the resident s driver s license suspended (fees may vary).
For more information: Tennessee Auto Insurance – Get a Quote and Save